EXCESS
LAYER

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What every professional ought to know about excess layer policies

Most insurance policies have upper limits or restrictions governing how much they are prepared to pay out if an accident or incident occurs.

In some scenarios – such as major incidents – or for some kinds of specialised contract delivery, you may seek to get additional cover for claims that exceed the thresholds in your normal insurance policy.

Talk to our team today to explore your options.

How IMS can help

We understand the intricacies that can be associated with sourcing and arranging liability cover.

By providing expert advice and guidance, we aim to make the process of becoming insured as simple as possible.

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0208 805 2211
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What can Excess Layer Policies cover?

Insurance layering relates to stacking insurance coverage from different providers using the excess of loss approach. These typically involve multiple insurers providing coverage, each in excess to the lower limits written by other insurers.

Excess Layer Insurance is typically a type of policy that provides increased levels of cover over your primary insurance – providing additional protection from major incidents or unexpected events.  It is typically an add-on to normal insurance policies.

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0208 805 2211

You’ll discover our service to be personal, friendly and flexible to satisfy your insurance needs.
Even if you already have insurance, contact IMS for an objective second opinion.
You may discover we can offer you something way better than what you already have.

IMS:  Insurance Specialists

Smarter Insurance Made Simple

We understand the intricacies that can be associated with sourcing and arranging  the right insurance for your needs.

Even if you have unique circumstances or requirements that other insurers struggle with, talk to our team and discover how we can help! 

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Expert Claims Support

Should things go wrong, we're here to help

You often only discover how great an insurance policy in those tricky circumstances when you must make a claim.

We pride ourselves in supporting our clients in getting paid what they deserve with minimum fuss - and for larger or more complex claims - we often involve sector specialists.

We provide this independently of the underwriter and we'll help you understand your rights and the steps to take.

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