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Excess Liability Insurance

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Excess liability cover

Chubb is a leading provider of excess capacity to businesses large and small throughout the UK. 

Our excess liability insurance provides additional protection that may be needed when the underlying limit of your primary insurance policy isn’t enough to cover the unexpected costs of a loss.

Our dedicated underwriting teams have the expertise to help our clients design customised programmes to effectively manage risk. We have tailored insurance solutions for a myriad of business sectors and industries.

If a loss occurs, our claims experts have the experience to handle the loss ensuring minimum disruption to business operations.


Who it’s for

Our excess protection supports a variety of businesses and industry sectors including:

  • Multinational risks with global exposures
  • Small to medium enterprises
  • Construction
  • Energy
  • General manufacturing
  • Automotive businesses
  • Food and drink
  • Consumer goods
  • Technology companies
  • Real estate 

What it covers

You benefit from additional layers of protection when you need it most, for:

  • Lead or excess placements
  • Insurance drop-downs beyond exhausted primary limits
  • Advertising injury
  • Sudden and accidental pollution
Why Chubb?
Why Chubb?

We’re experts in excess liability insurance – and we care about your business

Whether your business is big or small, takes you around the world or just around town, Chubb is there for you. Our breadth of experience in excess liability insurance means we can provide the guidance and service you need, whenever you need it, wherever you may be.


Partnership that’s personal 
We work to understand your business and where you’re heading so we can be proactive about meeting your needs. We invest in getting to know you, your team and your customers. The goal: to help you see ahead, be ahead and stay ahead.

Creative problem-solving
Insurance isn’t one-size-fits-all – and neither is our approach. Our playbook is always evolving because we’re always helping clients avoid risk in smarter ways. That means we bring the latest thinking and a fresh perspective to solving your challenges.

Unmatched expertise and financial strength
We’ve served clients and partnered with leading organisations for more than 200 years. Our longevity, expertise and financial strength are the bedrock of our business. 



All businesses are exposed to unforeseen risks, which can be complex and costly. Excess liability provides an extra layer of protection. The coverage sits over and above the primary insurance policy to cover the costs relating to large claims that would otherwise have serious financial consequences for the business, such as injuries to employees and third-parties.

The indemnity limits are £75million / $100million / €100million


Talk to one of our experts

Northern region - Rob Moores

London region – Ben Hodgson

Midlands region – Chris Fletcher