Excess Liability Insurance


Survive a Catastrophic Liability Claim

How would your business fare against a catastrophic liability claim? If you own a midsize or large business, having extra protection to guard against these big, unexpected risks just makes good business sense. For larger organizations looking for coverage layers, we also participate in excess liability towers.

Extra Protection for Your Business

Excess liability insurance provides higher limits once the limits on your underlying umbrella policy have been reached. Policyholders can also match the standard terms and conditions of their primary and excess policies to ensure that there are no coverage gaps.

Coverage features and benefits include:

  • Up to $50 million in capacity
  • Coverage written over Liberty Mutual Insurance policies or those provided by other carriers rated A-V or better by A.M. Best
  • The ability to participate in excess liability towers
  • An integrated occurrence option that provides businesses with complex risks the flexibility to group like events as a single occurrence to better manage insurance programs costs*
  • Dedicated, highly tenured underwriting staff
  • A team of complex and excess liability claims professionals who understand your business and your risk philosophy

Your business will benefit from our expertise in a range of industries, including but not limited to the following:

  • ​Construction
  • Country clubs/golf courses
  • Cultural institutions
  • Energy (Power & Utility)
  • Financial services
  • Hospitality
  • Law firms
  • Manufacturing
  • ​Professional services
  • Printing and publishing
  • Real estate
  • Restaurants
  • Retail
  • Wholesale

Supporting Your Business During a Crisis

  • Business Continuity:  In the case of a catastrophic event, Liberty Mutual will automatically extend a customer’s excess liability policy for 30 days when the event happens within the last month of the policy.
  • Crisis Management: To help protect your business’s brand and reputation, Liberty Mutual offers crisis management support, providing an additional $250,000 in consulting expenses to help you steer through negative PR coverage.

Looking for additional coverage over your primary auto or general liability policies? Learn more about our umbrella coverage.

Learn More

Contact an independent agent or your broker to obtain excess liability coverage. 


*Certain coverage may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds, and insureds are not protected by such funds.  Coverage is only available through a licensed surplus lines broker.

This is a general description of coverages. Not all coverages are available in all states. Contact and independent agent or your broker for policy terms, conditions, and exclusions.





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