Excess Liability

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 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.

To help you talk to your clients about the need for and benefits of excess liability cover, here are some real examples of incidents from recent years.

A man employed by a company to erect and dismantle exhibition stands was helping to load a dismantled 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 on to the floor. He suffered severe spinal injury and has been left a tetraplegic. A claim of £3 million was lodged.