Admiral’s Professional Liability department provides a comprehensive and flexible Excess Liability product that is essential to protect companies from catastrophic losses that exceed primary insurance policy limits.
AdmiralPro Excess™ delivers flexible, follow-form Excess Liability solutions designed to sit above a broad range of underlying coverages. With the ability to support complex program structures, multiple underlying carriers, and complex risk profiles, Admiral provides the capacity and coverage needed to effectively manage large loss exposures.
Comprehensive Excess Coverage for Complex Exposures
As professional liability exposures continue to evolve in both frequency and severity, clients require excess solutions that can adapt to layered programs, multiple lines, and complex underlying structures. Backed by Admiral’s strong financial stability, AdmiralPro Excess™ is designed to provide the clear coverage terms and flexibility clients rely on when structuring competitive insurance programs.
Key Features & Benefits:
Tailored Excess Liability Coverage
Follow-form coverage across multiple underlying policies and carriers, including the ability to sit excess of both, CGL occurrence and CGL claims-made forms.
Broad Follow-Form Excess Terms
Fully redesigned policy form and endorsements to streamline coverage terms, which can be tailored to the unique coverage needs of each risk.
Flexible and Customizable Approach
AdmiralPro Excess™ provides straightforward professional liability excess insurance. It can also support large complex excess insurance placements, including excess of PL/GL combo policies, quota share placements, top-heavy excess and tailor policies to drop-down on sublimited coverages (e.g. Sexual Abuse, Cyber, Employer’s Liability).
Responsive and Expert Service
We pride ourselves on delivering exceptional service through a dedicated team of claim adjustors and underwriting professionals with significant experience in the Excess Professional Liability marketplace.
AdmiralPro Excess™ Coverage Capabilities
- Excess limits up to $5M
- True follow-form coverage
- Ability to attach high up on complex insurance towers
- Quota-share capabilities
- Excess of PL/GL Combo policies
- GL Claims-Made or Occurrence based coverage
- Drop-down over Employers Liability, EBL, & HNOA coverages
- Can consider top-heavy excess layers
- Ability to drop-down on various underlying sublimits
- e.g. Sexual Abuse, Contingent BI/PD, Cyber
- Competitive pricing and streamlined underwriting approach to support the dynamic professional liability marketplace
AdmiralPro Excess™ Sample Classes
- Allied Healthcare / Miscellaneous Medical
- Medical Malpractice for Physicians
- Virtual Care / eHealth
- Technology E&O and Cyber
- Architects & Engineers
- Insurance Agents & Brokers
- Miscellaneous Professional Liability
- Contractors Professional Liability
Download the Excess Liability Coverage Brochure
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Frequently Asked Questions
How does Excess Professional Liability insurance work?
Excess Professional Liability insurance sits above underlying layer(s) and/or self-insured retentions. It connects at a specified attachment point and responds only after all underlying limits beneath have been exhausted
What does Excess Professional Liability excess coverage include?
Professional liability excess coverage extends the underlying policy and typically includes defense costs, settlements, and judgments related to claims of errors, omissions, or negligence in professional services.
Excess Professional Liability coverage provides additional limits of liability above one or more underlying Professional Liability policies. Subject to its own terms and conditions, it generally follows the coverage provided by the underlying insurance and may respond to covered defense costs, settlements, and judgments arising from claims alleging errors, omissions, negligence, misrepresentation, or other wrongful acts in the performance of professional services.
Does Excess Professional Liability insurance provide broader coverage?
Typically, excess professional liability insurance is not meant to provide broader coverage than the primary. To provide consistency, it generally follows terms and conditions that match the underlying policy.
What types of businesses typically buy Excess Professional Liability coverage?
Businesses that provide professional services, handle large contracts, or operate in high-risk industries often purchase excess E&O to protect against large financial losses.
As claim severity continues to rise and large verdicts become more common, Excess Professional coverage has become an important risk management tool. Beyond meeting contractual obligations, it helps protect businesses from significant financial losses that can exceed primary policy limits.
Can Admiral support complex excess E&O placements?
Yes. AdmiralPro Excess can provide coverage above multiple underlying policies and carriers, including Professional Liability, Professional Liability/General Liability package policies, and General Liability policies written on either a claims-made or occurrence basis. This flexibility helps brokers build competitive layered insurance programs tailored to the needs of complex risks.
What does it mean when Excess coverage is “follow-form”?
Follow-form Excess Liability coverage mirrors the terms, conditions, and exclusions of the primary Professional Liability policy, helping ensure consistency across all layers of coverage.
Can Excess coverage drop down if there’s sublimit?
Some Excess policies may be structured to drop down in certain situations, but this depends on how the policy is written and endorsed.
Is Excess Liability the same as umbrella insurance?
No, Excess Liability insurance provides additional limits above an underlying policy and generally follows the same coverage terms. Umbrella insurance also provides additional limits but may broaden coverage in certain situations where the underlying policy does not respond.
How does Excess Liability insurance work in a real claim scenario?
If a claim exceeds a specified attachment point, the Excess Liability policy responds by providing additional protection for covered amounts up to its own limit.
What makes AdmiralPro Excess™ different from other excess liability insurance options?
AdmiralPro Excess™ provides flexible, follow-form excess liability solutions for complex risks that extend beyond traditional Professional Lines. Designed to support multi-line policies, the product offers customizable attachment points, layered program structures, and tailored excess configurations to meet the unique needs of each insured.
Can Admiral provide Excess coverage over multiple policies or carriers?
Yes, AdmiralPro Excess™ can provide coverage above multiple underlying policies and carriers, including Professional Liability, Professional Liability/General Liability package policies, and General Liability policies written on either a claims-made or occurrence basis. This flexibility helps brokers build competitive layered insurance programs tailored to the needs of complex risks.
What limits are available for excess professional liability insurance?
AdmiralPro Excess™ offers excess liability limits up to $10M, with the ability to participate across different layers of a structured insurance tower.