Excess of Loss (eTrade)

Our Excess of Loss insurance is designed to provide excess liability cover giving customers financial protection should they face large, unexpected losses that exceed the limits of the primary liability insurance.

Our Excess of Loss product offers combined or standalone excess public and products liability and excess employers’ liability.

Covers

• Excess Employers' Liability (typically attaching at £10 million or above)
• Excess Public and Products Liability (typically attaching at £2 million or above)
• Excess motor third-party property damage liability, when written in conjunction with excess public and products liability insurance (typically attaching at £5 million or above)

We have a wide risk appetite, spanning a broad range of sectors, including construction and engineering, manufacturing, logistics, wholesale and retail, and professional business services. We can cover large and complex loss exposures, including products exported and work-away exposures overseas.

Our eTrade Excess of Loss product is available to businesses of all sizes, from small enterprises through to large organisations with turnover of up to £100 million.

If you are looking for a solution for a client with a turnover of £100 million or above, get in touch with one of our regional offices.

• We continually strive to provide a claims proposition that reflects your clients’ changing requirements. We have access to a global team of over 600 experienced claims professionals to support customers with any claims overseas (for example, arising from products exported). See our Claims Commitment to find out how we strive to make the claims experience collaborative, personal, clear and effortless
• We have an in-house major loss team, who work closely with customers and their advisers to achieve the right outcomes
• Where a major claim or series of claims arises out of one incident, we will provide £100,000 for reasonable costs incurred by the customer to mitigate resultant damage to their reputation
• Your clients will also have access to Zurich Support Services, a free and confidential health and wellbeing service, offering support ranging from counselling to debt management. Access to Zurich Support Services is not part of an insurance contract with Zurich, and we reserve the right to withdraw access at any time without notice
• No matter how you get in touch, live chat, phone, or email, you’ll always speak to one of our expert SME underwriters. Not a bot.