Excess of Loss
Commercial Insurance
Public Sector Insurance
GBP 150 /year
GBP 30M
GBP 0
Channel Islands, England, Isle of Man, Northern Ireland, Wales, Scotland
Yes
- Employers Liability
- Product Liability
- Public Liability
- critical products
- high-risk locations / activities
- SMEs
- specified projects
- mid corp clients across a range of industries including wholesale, manufacturing, construction, engineering, retail, office and property owners.
Product Overview
Excess of Loss by Touchstone Underwriting Ltd gives businesses extra protection when their standard insurance limits are not enough. This policy is designed for companies that need higher liability cover, especially for contracts or projects with strict requirements.
It works by adding an extra layer of cover above the main policy, stepping in only after the original insurer’s limit is reached. This makes it a practical choice for firms in construction, manufacturing, engineering, and other sectors where risks can be higher than usual.
About Excess of Loss by Touchstone Underwriting Ltd
The policy covers Public Liability, Products Liability, and Employers’ Liability, but not Employers’ Liability on its own. Limits can go up to £30 million for Public and Products Liability, and up to £10 million for Employers’ Liability. The minimum premium starts at £150, making it accessible for a wide range of businesses, from SMEs to larger mid-corporate clients.
Excess of Loss by Touchstone Underwriting Ltd is available across the UK, including the Channel Islands and Isle of Man. Brokers can find helpful resources on the product page, such as the policy wording and supplemental form. For tailored quotes or more details, brokers are encouraged to use the ‘Contact Underwriter for Quote’ option provided on the page.
Excess of Loss by Touchstone Underwriting Ltd FAQs
What types of businesses can benefit from the policy?
Excess of Loss by Touchstone Underwriting Ltd is ideal for businesses needing higher liability limits than their main insurance provides. It suits SMEs and mid-corporate clients across sectors like construction, manufacturing, engineering, wholesale, retail, office, and property ownership. Firms with contracts or projects that require extra cover will find this policy especially useful.
Is there a minimum premium for the Excess of Loss policy?
Yes, the minimum premium for Excess of Loss by Touchstone Underwriting Ltd is £150. This makes the policy accessible for a wide range of businesses, from small enterprises to larger firms. The minimum premium helps ensure that even smaller clients can arrange extra liability cover when needed.
How can brokers get more information or a quote for this product?
Brokers can contact Touchstone Underwriting Ltd directly through the product page for tailored quotes or further details. The page offers downloadable resources, such as the policy wording and supplemental form, to help brokers understand the product. Fast quote turnaround and broker support are available for all enquiries.
Can this policy be used for Employers’ Liability on its own?
No, Employers’ Liability cannot be covered in isolation under this policy. It must be included with either Public Liability or Products Liability. This ensures the policy aligns with standard UK insurance practices and regulatory requirements.
Can Excess of Loss by Touchstone Underwriting Ltd be tailored for specific projects?
Yes, the policy can be tailored to meet the needs of specific contracts or projects. Flexible excess layers and limits are available to match unique requirements. This makes it a practical choice for businesses facing demanding project or contractual obligations.
Who can purchase this policy?
Only insurance brokers with a contract can arrange Excess of Loss by Touchstone Underwriting Ltd for their clients. Direct purchase by businesses is not available. Brokers must complete the supplemental form and provide details of the underlying insurance to secure cover.
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