Excess Liability
Insurance
When standard liability limits aren’t enough, Excess Liability Insurance provides an extra layer of financial protection for businesses facing catastrophic claims. Panther Insurance offers wholesale Excess Liability solutions that allow retail agents to enhance their clients’ coverage across general liability, auto liability, and other primary policies.
Whether your clients operate in high-risk industries like construction, transportation, or manufacturing — or they simply want added peace of mind — Panther Insurance delivers flexible, competitive excess options designed to meet a wide range of coverage needs.
What Does Excess Liability Insurance Cover?
Excess Liability extends the limits of underlying liability policies, including:
-
General Liability — Bodily injury, property damage, and personal/advertising injury claims.
-
Commercial Auto Liability — Coverage for severe accidents involving business-owned vehicles.
-
Employer’s Liability — Protection against employee injury claims not covered by workers’ compensation.
-
Other Primary Liability Policies — As needed, based on the client’s specific coverage portfolio.
With today’s rising litigation costs, Excess Liability is essential for businesses looking to strengthen their protection against catastrophic losses.
​
Who Needs Excess Liability Insurance?
This coverage is valuable for a wide range of businesses, including:
-
Trucking & Transportation
-
Construction & Contractors
-
Manufacturing
-
Hospitality & Restaurants
-
Retail & Wholesale Operations
-
Professional Services
Any business with significant liability exposures, contract requirements, or valuable assets to protect can benefit from Excess Liability coverage.
​
Why Retail Agents Choose Panther Insurance for Excess Liability
Panther Insurance provides retail agents with wholesale excess solutions that offer:
-
Flexible Coverage Limits — Available capacity to meet a range of coverage requirements.
-
Broad Industry Appetite — Coverage for high-risk industries like transportation, construction, and manufacturing.
-
Competitive Pricing — Wholesale rates designed to help agents win business in competitive markets.
-
Expert Underwriting Guidance — Our team helps agents structure excess programs that align with clients’ risk profiles and contractual obligations.
-
Responsive Service — Fast quotes, efficient binding, and dedicated support every step of the way.
​
Partner with Panther Insurance
Whether your client needs a small buffer layer or significant additional protection, Panther Insurance offers the expertise and flexibility to build Excess Liability programs that make sense. We’re here to help you deliver tailored, reliable protection that enhances your clients’ total risk management strategy.