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Sometimes, extra coverage is important. This product by Chubb provides excess cover over your company’s current liability insurance policies, removing the need to issue separate excess liability covers over each liability insurance policy. You can also stretch its coverage and add protection benefits where gaps in the primary insurances have been overlooked.

Coverage Highlights

Market Specialisation

  • Construction (third party liability exposures)
  • Manufacturing (light and heavy industries)
  • Distribution (wholesalers, retailers)
  • Real estate and hospitality (serviced apartments, hotels, resorts, etc.)
  • Energy (utilities, oil and gas, petrochemicals, etc.)
  • Services (banks, telecommunications, etc.)
  • Retail

What it Covers

  • Dropdown coverage of agreed underlying primary liability insurance policies upon exhaustion of annual aggregate limits
  • Dropdown coverage for contingencies not covered under the agreed primary liability insurance policies
  • Excess limits


  • Provides a difference in limits/conditions coverage
  • Broad definition of Personal Injury and Insured
  • Global network of over 50 countries and territories
  • Availability of casualty risk engineering capabilities

The above information is intended to be a general summary for reference only and does not form part of the policy. You should refer to the policy wording for exact terms, conditions and exclusions. The above information shall not be construed as an offer to sell or solicitation to buy or provision of any of our products outside Hong Kong SAR. For further information, please contact Chubb Insurance Hong Kong Limited on +852 3191 6800.

Have a question or need more information?

Contact us to find out how we can help you get covered against potential risks