Chubb is a leading provider of excess capacity to businesses large and small throughout the UK.
Our excess liability insurance provides additional protection that may be needed when the underlying limit of your primary insurance policy isn’t enough to cover the unexpected costs of a loss.
Our dedicated underwriting teams have the expertise to help our clients design customised programmes to effectively manage risk. We have tailored insurance solutions for a myriad of business sectors and industries.
If a loss occurs, our claims experts have the experience to handle the loss ensuring minimum disruption to business operations.
RISK SCENARIOS
Who it’s for
Our excess protection supports a variety of businesses and industry sectors including:
Multinational risks with global exposures
Small to medium enterprises
Construction
Energy
General manufacturing
Automotive businesses
Food and drink
Consumer goods
Technology companies
Real estate
What it covers
You benefit from additional layers of protection when you need it most, for:
A man employed by a company to erect and dismantle exhibition stands was helping to load a stand onto a trailer. He noticed some loose equipment on top of the load and decided to climb onto the trailer to try and secure the items. He grabbed hold of an item he thought was secured, but it was not and he fell to the floor. He suffered severe spinal injury and has been left a tetraplegic. A claim of £3 million was lodged.
Simple construction mistake causes £3.2m of claims
A builder constructing a block of apartments over-excavated a retaining wall. The wall was undermined and collapsed causing damage to other properties and injuring one person. Claims totalling £3.2 million were lodged.
A fire leads to £4m of claims
A company was engaged in upgrading ovens at a factory. While the burners were being commissioned a fire started in one of the ovens causing serious damage to all three as well as the surrounding fabric of the building. A claim totalling £4 million was lodged for property damage and business interruption losses.
The examples of claims or situations on this site do not imply that similar circumstances would constitute a valid claim. Each claim is reviewed individually in accordance with the specific policy wording.
Why Chubb?
Why Chubb?
We’re experts in excess liability insurance – and we care about your business
Whether your business is big or small, takes you around the world or just around town, Chubb is there for you. Our breadth of experience in excess liability insurance means we can provide the guidance and service you need, whenever you need it, wherever you may be.
Partnership that’s personal We work to understand your business and where you’re heading so we can be proactive about meeting your needs. We invest in getting to know you, your team and your customers. The goal: to help you see ahead, be ahead and stay ahead.
Creative problem-solving Insurance isn’t one-size-fits-all – and neither is our approach. Our playbook is always evolving because we’re always helping clients avoid risk in smarter ways. That means we bring the latest thinking and a fresh perspective to solving your challenges.
Unmatched expertise and financial strength We’ve served clients and partnered with leading organisations for more than 200 years. Our longevity, expertise and financial strength are the bedrock of our business.
All businesses are exposed to unforeseen risks, which can be complex and costly. Excess liability provides an extra layer of protection. The coverage sits over and above the primary insurance policy to cover the costs relating to large claims that would otherwise have serious financial consequences for the business, such as injuries to employees and third-parties.
The indemnity limits are £75million / $100million / €100million
