Occasionally, an insurer’s capacity to provide cover, may fall short of customer’s requirements or indeed, the potential maximum value at risk. Most common with Liability and Professional Indemnity policies which carry a defined limit of indemnity, it is possible to arrange extra ‘layers’ of cover to top up the total limit insured to an acceptable level.

Excess of Loss policies are usually arranged for risks which may bring about a significant loss, running perhaps into millions of Pounds.

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