Excess Liability

Excess liability insurance offers an extra layer of protection for contractors by providing coverage beyond the limits of their primary liability policies. This type of insurance is vital for contractors who face significant risks on job sites, where a single incident could lead to substantial financial claims. While general liability insurance covers a broad range of risks, including bodily injury and property damage, excess liability insurance kicks in once those primary policy limits are exhausted. By adding this additional coverage, contractors can protect their business from potentially devastating financial burdens arising from lawsuits or large claims that exceed their standard coverage limits. This ensures greater peace of mind and financial stability, allowing contractors to manage high-risk projects with added security.