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Protecting your people, reputation, assets, and data is the ultimate goal of any insurance and risk management program. But what is their actual value and how much protection should you buy? They’re intertwined, complicated, and nuanced questions with which many firms understandably struggle.
The Brown & Brown Casualty Insurance team has deep experience unpacking complexities, bringing data-driven clarity that helps make your coverage amount decisions clearer. By providing benchmarking information specific to your casualty program, our team can offer insight into your options for excess coverage.
Excess Liability policies provide coverage beyond the limits of your general liability, automobile liability, and employers' liability coverages. The excess policy “sits above” those policies, stepping in once their coverage limits are exhausted to help provide you with additional protection against catastrophic loss.
Many companies purchase between $5M–$100M in total excess limits, but depending on the size and/or complexity, some companies buy well north of $100M in total excess limits.
In today’s global insurance market, the Brown & Brown Casualty Practice has networks around the globe to help find solutions for your business. Working with your specific needs and circumstances in mind, we draw on our deep experience and long-standing history to access markets in the United States, Bermuda, London, and other major locations, coordinating with each location to build an insurance program to meet your unique needs.