Excess Layer Liability

Increased Liability Cover for Contractors in Construction

Excess Layer (Increased Limits) Liability Insurance policies are designed to offer additional levels of cover specifically tailored to your business’s needs.  These are usually needed for your larger contracts or when you have to have higher cover limits for specific contracts.

These policies increase your primary public liability, product liability and employer’s liability policy. Excess Layer liability insurance cover helps to safeguard your business against losses that may occur, from damage to third party property, injury to third parties or injury to employees.

Typically Excess Layer Liability Products will cover a combination of public liabilityemployer’s liabilityproduct liability.

You will benefit from:

  • Expert knowledge and advice
  • Exclusive rates from leading insurers
  • Platinum rated Feefo customer service
  • Exclusive access to Health and Safety documents, Risk and Method Assessments, Business Continuity templates and more – for no extra cost to your policy.

Call us on 0800 954 0778 to speak to one of our specialist advisors or request a call back.


  • Air conditioning & refrigeration contractors
  • Fencing contractors insurance
  • Building contractors
  • Kitchen fitters insurance
  • Carpenters and joiners insurance
  • Drainage contractors insurance
  • Cleaning contractors insurance
  • Plumbing & heating contractors insurance
  • Painters & decorators
  • Roofing contractors
  • Double glazing contractors
  • Scaffolding contractors
  • Electrical contracting
  • Window cleaners insurance


Why would I need Excess Layer Liability Insurance?

Construction workers and contractors both typically work in high-risk environments each day. Your contractors combined insurance should already have been arranged to provide a certain level of liability cover.

However, it may be that you are working on very large contracts and you want the peace of mind that having that extra level of cover gives you?

It may be that you are working with a particular client that has requested you have a higher level of cover to be able to carry out the works?

Or it could be that you are tendering for larger contracts and you simply want to have the best level of cover you can to show any prospective clients that you are a serious and professional organisation.

An excess layer liability policy from Plan Insurance Brokers will safeguard you from these challenges and protect your business, allowing you to focus all your energy into perfecting your craft.

Client Risk Management Tools

Having the right risk management procedures in place is vitally important for construction firms. Correct, up to date document templates and guides can help you minimise risk and remain compliant with regulations. Failure to do so could result in huge potential liabilities as well as the threat of criminal prosecution.

As part of our goal to prevent claims we offer our construction and contractors clients personalised Health and Safety documents, Risk Assessments, Method Statements and much more. These additional documents are supplied to your business at no extra cost when you take out a policy with Plan. Read more about our construction site and contractors risk management services here.

Our new package now includes business continuity templates that are updated annually which you can use as guidance and to track your business operations. With this, you will also receive regular notifications regarding legislation changes that are relevant to your business. Read more about our extensive free Construction Site Risk Management Templates as well as the additional, very cost effective solutions offered by our Plan Essentials support package.

Why choose Plan Insurance Brokers?

At Plan, we let you focus on your day-to-day, knowing that your specialist policy will protect your business against the risks you face.

Let us know the needs of your business and we will provide a bespoke quotation at a competitive premium from our panel of industry leading insurers.

We also offer a range of risk management services to help you business avoid preventable incidents. This is further supported by platinum standard customer service and expert claims assistance.

What other products might my business require?
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