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See all the news storiesIn today's commercial environment, the landscape for Excess Layer Professional Indemnity (PI) has undergone a market transformation. Shifting exposures, escalating contractual obligations and evolving risk appetites have made high-limit excess capacity not just beneficial but essential.
Contract values are now significantly larger, particularly in sectors like construction and technology. Many businesses are contractually required to maintain higher levels of coverage, while others recognise the need for additional protection based on their project exposures and risk profiles. At Tokio Marine HCC, our Excess Layer Professional Indemnity cover is designed to bridge the gap. With flexible limits, tailored wording and excellent sector expertise, we provide our clients with the cover they really need.
What sets us apart is our consistency and commitment to the markets we serve. When Tokio Marine HCC enters a market, we stay. Our service levels and long-term approach mean brokers and clients can rely on us to be there when needed.
Our excess layer coverage benefits from the same deep sector expertise that drives our primary PI products. Whether you know us for our work in construction, technology, media, or any other professional sector, you can access our excess layer capacity across all areas.
Every excess layer requirement is different. Our approach recognises that contract values, exposures and coverage needs vary significantly across sectors and individual risks. That's why our excess layer PI offering is designed to completely flexible. We can tailor coverage to follow your primary terms while providing the additional capacity you need.
Our experienced underwriting team works with brokers to structure coverage that is appropriate for each specific risk, building on our extensive knowledge across all the professional sectors we serve.
High-limit excess above primary PI cover
Flexible limits and terms, tailored to each risk
Coverage follows underlying policy wording
Deep sector-specific expertise and stable market commitment
Firms needing higher indemnity limits
Businesses in construction, technology, media or other high-risk sectors
Professionals bound by strict contractual or regulatory insurance requirements
Brokers seeking reliable excess layer capacity with tailored service
The St Botolph Building
138 Houndsditch
London
EC3A 7BT
Bespoke insurance to protect small to medium-sized architects from the risks you face building our environment.
Offering firms a broad scope of consultancy services across all areas of business.
Protections on your projects, finances and relationships with your clients.
Saving the world doesn’t come without risk but with Tokio Marine HCC at your side, the only limitation you’ll face is your own ambitions.
In a fast-paced market, you need a flexible, responsive partner that understands your needs. That partner is Tokio Marine HCC.
As you bring stars to the big and small screen, Tokio Marine HCC will be with you every step of the way, protecting you and your reputation.
In an increasingly complex and highly regulated environment, mistakes will happen and the cost can be high. Have you got the right cover?
State-of-the-art development requires cutting-edge support. With Tokio Marine HCC, you’ll have a partner that delivers.
Your reputation is everything. With Tokio Marine HCC, you have a partner that takes your reputation as seriously as you do.
Whatever your profession and whatever sector you are operating in, we have the appetite for your indemnity risk.
The media landscape is riskier than ever to navigate, but with Tokio Marine HCC you have the expert partner you need.
We’ll take care of your risks as you keep the world of work moving.
Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance.
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