We have a broad risk appetite spanning a range of sectors, extending but not limited to; construction & engineering, manufacturing, logistics, wholesale & retail and professional business services.

Capacity can be provided directly above the primary insurer or attaching at 2nd excess or higher.

We’ve got all the covers you’d expect but the following is where our Excess of Loss cover really excels:

For eTrade

• Excess Employers’ Liability (typically attaching at £10million or above).
• Excess Public and Products Liability (typically attaching at £2million or above).
• Excess Motor Third Party Property Damage Liability when written in conjunction with Excess Public and Products Liability Insurance (typically attaching at £5million or above).
• Follow-form basis of cover - Cover in accordance with the terms of the primary policy (other than premium, limits or terms and conditions applicable to the excess policy).
• Step-Down Clause - In the event that underlying aggregate limits are exhausted, in part or in full, this policy will attach in excess of that reduced limit or in place of the underlying insurance (subject always to the terms and conditions of the excess policy).
• Duty of Fair Presentation – Underlying Policy - If the primary or any other underlying policy is found liable to pay an amount which is less than the underlying limit of indemnity (solely a result of a non-deliberate and non-reckless breach of the duty to make a fair presentation of the risk), we will treat the full amount of the underlying limits of indemnity as having been exhausted by any combination of payment by underlying insurers and by you of the balance of the underlying limits of indemnity.
• Duty of Fair Presentation – Excess Policy - Providing clarity around presentation of risk and Zurich’s ‘additional premium’ which should, in most situations, be more favourable to our customers when compared to the proportionate reduction of claim remedy.