Are there any types of policies that Excess Liability will not cover?

Yes, Excess Liability Insurance, while providing additional coverage for a wide range of liability claims, may still have limitations and typically does not cover certain types of policies or claims. The specific exclusions can vary depending on the insurance provider and the terms of the policy.

Here are some common types of policies and claims that Excess Liability Insurance may not cover:

Primary Policies Without Coverage: Excess Liability Insurance typically requires you to maintain specified levels of primary insurance coverage. If you have primary policies that do not provide any coverage (are uninsured or underinsured), the excess policy may not offer protection.

Workers' Compensation: Claims related to workers' compensation benefits for injured employees are generally not covered. Businesses are usually required to have separate workers' compensation insurance to address these claims.

Health, Life, and Disability Insurance: Excess Liability Insurance does not cover health, life, or disability insurance claims, as these are typically unrelated to liability claims.

Professional Liability Insurance: Claims associated with professional errors, omissions, or malpractice may not be covered, as they often require a dedicated Professional Liability Insurance (Errors and Omissions) policy.

Environmental Pollution: Excess Liability Insurance might exclude claims related to environmental pollution, such as those covered by separate environmental liability insurance.

Cyber Insurance: Claims arising from data breaches, cyberattacks, or other cyber liability events may require a specialized Cyber Insurance policy and may not be covered by excess liability insurance.

War or Terrorism: Acts of war, terrorism, and similar events are typically excluded from Excess Liability Insurance coverage.

Intentional Acts: Claims arising from intentional acts, fraud, criminal conduct, or willful misconduct are often not covered.