Professional indemnity

Excess Layer Professional Indemnity Insurance

Excess layer PI insurance provides additional indemnity above a primary professional indemnity policy where contract limits, client values or claim severity could exceed the first layer.

Discuss excess layer PI

Who It Is For

  • Professional firms with higher client exposures
  • Businesses asked for higher contractual PI limits
  • Firms reviewing top-up capacity above their primary policy

Cover To Review

  • Attachment point and additional limit
  • Primary policy wording and insurer
  • Civil liability and defence costs
  • Run-off and retroactive-date continuity

Underwriting Detail

  • Primary PI schedule and proposal
  • Fee income and work split
  • Claims history and open circumstances
  • Required limit, attachment point and client contracts

Related Insurance Pages

Excess Layer Professional Indemnity Insurance FAQs

What is excess layer PI insurance?It is additional professional indemnity capacity arranged above a primary PI policy.

When do firms consider excess layers?Firms often review excess layers when contracts, matter values or one severe claim could exceed the primary limit.

What information is needed?The primary policy, claims history, fee income, work split, required attachment point and desired extra limit are usually needed.