Excess Liability

A policy that provides additional limits above the underlying primary policies on a follow-form basis, meaning it adopts the same terms, conditions, and exclusions as the underlying coverage. Unlike an umbrella which may broaden coverage, excess liability simply extends the dollar limit. Tower contractors stacking $10M or more in total limits often use a combination of umbrella on the first layer and excess follow-form on subsequent layers to meet MSA requirements cost-effectively.