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ACE Online Excess Liability

Excess liability policy provides a top up to primary liability policies, or other underlying excess layers. This extra cover is particularly useful since personal injury awards are increasing both in volume and settlement costs. With instant on-line quote and bind excess liability insurance, companies’ exposure to exhausting their primary limits through such higher volumes and costs is economically covered.

Suitable for businesses with a turnover up to €25 million, our ACE Online product offers capacity either on a mono-line basis or as part of a combined package for:

  • Excess Employer’s liability - up to €25 million
  • Excess Public / Products liability - up to €50 million
  • Excess Motor third party property damage -  up to €25 million if selected in conjunction with Excess Public and Products liability

Product benefits

  • Tremendous flexibility in cover options
  • Immediate quotations available on a wide range of occupations, with the ability to issue policy documentation in your own office
  • Ability to provide cover on a follow form wording
  • Premium discounts available when more than one cover selected
  • Guaranteed rapid response times on referrals
  • Up-selling and cross selling opportunities available within the system at the press of a button

Documents

Document Name Size Date
ACE Online Excess Liability quick quote guide.pdf 56 KB 07/08/2011
ACE Online Excess Liability.pdf 58 KB 07/08/2011

Case Studies

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:.

Sub-contractor causes €8 million damage to new office block

A 2 man company working as a sub-contractor to a large firm of builders caused in excess of €8 million of damage when sparks from welding work they were carrying out started a fire which destroyed a new office block.

Flood repair costs over €4 million

A small sub-contractor, whilst digging a trench, hit a water main causing extensive flood damage to 160 properties. Repair costs totalled in excess of €4 million.

Lorry driver causes substantial damage to petrol station

A lorry driver lost control of his vehicle which ploughed into a petrol station causing a massive explosion. Fortunately no one was seriously hurt but damage to the petrol station (including a number of vehicles) was extensive and it was several months before it reopened for business.

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.