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Solicitors Excess Layer Insurance
Solicitors excess layer insurance provides additional professional indemnity limit above a law firm's primary PI policy. It is most relevant where contract requirements, matter values, fee income or one severe claim could exceed the primary layer.
This page targets law firms reviewing additional PI capacity rather than first-layer solicitor PI only. The key underwriting question is where the excess layer attaches and how the firm's legal work could produce a high-severity claim.
Typical Triggers
- Higher-value client matters
- Contractual limit requirements
- Concern about severe negligence claims
Placement Details
- Primary PI limit and insurer
- Attachment point
- Requested excess layer capacity
Risk Evidence
- Proposal form
- Fee income and work split
- Claims and circumstances history
Related Solicitor PI Pages
Excess layer cover should be reviewed alongside the primary solicitor PI programme, cyber risk and the firm's wider legal practice insurance requirements.
Example Excess Layer Scenario
A law firm handles a high-value transaction where the alleged client loss could exceed its primary PI limit. An excess layer can provide additional capacity above the primary policy, subject to attachment terms and insurer acceptance.