CoiLoop

Coverage Types

Excess Liability

Also known as: Construction Excess Liability Insurance

Additional limits stacked above a primary policy, similar to an umbrella but typically following one specific policy's terms.

Excess liability, like an umbrella, increases the total limits available for a claim. The practical difference is that true excess coverage usually sits over a single named policy and follows its exact terms, while an umbrella can span several underlying policies and may broaden coverage slightly.

For COI review the distinction rarely changes the GC's decision, what matters is that the combined primary plus excess limits meet the contract requirement and extend additional insured status.

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