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Excess Liability

Capacity and Flexibility

When you need additional liability protection above an Umbrella Liability policy, Chubb Excess insurance follows the terms and conditions of your Umbrella, whether or not you’ve placed it with Chubb.

This policy can provide significant limits that enable your company to construct an excess liability program with fewer carriers and consequently less concern about potential coverage differences.

Chubb’s Commercial Excess Liability policy affords a variety of benefits:

  • Greater Flexibility
    Adapts to various or unique primary and excess insurance policies, such as miscellaneous professional/errors & omissions, foreign, aviation, marine and others.
  • Not Restricted by Intervening Layers of Insurance
    Responds to the loss (at our attachment point) based on our provisions and those of the controlling underlying insurance.
  • Replacement of Eroded or Exhausted Underlying Limits
    Provides first-dollar drop-down insurance protection for exhausted underlying limits of coverage in the same manner as the underlying policy.

Service and Strength

Chubb's reputation for outstanding service is built on a consistent track record of performance by its global network of loss control and claim professionals. Our loss control and risk consulting professionals are experienced in making risk assessments and offering practical advice to help mitigate or prevent losses. Should a loss occur, our exceptional claim service is available anytime/anywhere in more than 140 languages through a toll-free number or via the Internet.

Our financial strength continues to earn high ratings from A.M. Best, Standard & Poor’s and Moody’s, leading evaluators of insurance companies. Financial strength, combined with our underwriting expertise and claim service, means you can be confident Chubb will be there when you need us most—now and in the future.

Additional Information


Learn more about:

  • Chubb's products - Please contact your insurance agent or broker; use our Find an Agent tool to locate an agent or broker near you.
  • Claims - Please go to Chubb's Claims Services.
  • Chubb's press releases, awards, advertising and more - Please go to About Chubb.