Super-intelligent Insurance

for collectors and professionals

Get A Quote

Art and Fine Instruments

worldwide protection

Get A Quote

La Playa Fine Art: Insurance with Intelligence®

Advice you can trust

Get A Quote

La Playa: Insurance with Intelligence®

Excess Liability

What is Excess Liability Insurance for?

Standard liability policies have upper limits on how much they can pay out. If your business requires coverage greater than this amount, then Excess Liability Insurance can step in - in the event of a claim, it will pay the extra amount outstanding once your initial policy's limit has been reached.

Why don't standard policies have high enough limits already?

Mostly, they do. Excess Liability covers businesses, individuals, and situations, where the risk is greater than the normal risk covered by the primary policy. Put simply, some businesses have more to lose than others - but policies have to be designed on careful analysis of average risk trends over time. So if your business is an outlier in its needs, you can still take out the general policy, but will require Excess Liability Insurance to secure the extra cover you'd need in the event of a claim.

Excess Liability insurance can pick up where your Public Liability leaves off. If your risk exposure is higher than your Public Liability cover limit, you may need this additional insurance.

What if...

  • A court decides against you and you're made to pay a harsher than expected compensation settlement?
  • A contract clause requires you to have a higher limit than you have at present?
  • You are undertaking a project in a high value, well-known, or sizeable venue?

How does cover work?

  • You can normally purchase a number of excess liability policies to sit on top of one another - allowing you to create very high levels of protection as required
  • Cover will normally follow the terms of cover under your primary or first layer policy
  • The level of premiums for each policy/layer is normally less than that required by your primary/first layer policy
Excess Liability

Talk to us today.

You can call us to talk more about your business on

How We Can Protect Your
Art & Business

Art & Antique Collectors Insurance
Art & Antique Collectors Insurance
Art Fair Insurance
Art Fair Insurance
Business Property Insurance
Business Interruption Insurance
Business Property Insurance
Business Property Insurance
Business Protection
Business Protection
Cyber Risks Insurance
Cyber Risks Insurance
Directors & Officers Liability
Directors & Officers Liability
Employers' Liability
Employers' Liability
Excess Liability
Excess Liability
Gallery Insurance
Gallery Insurance
Professional Indemnity
Professional Indemnity
Public & Product Liability
Public & Product Liability
Stock Insurance
Stock Insurance
Terrorism Insurance
Terrorism Insurance
Transit Insurance
Transit Insurance
Travel and Personal Accident
Travel and Personal Accident

Monthly Payments

Cancel Anytime

Benchmark Us

Quote within 24 hrs

Testimonials

What Our Clients Say

bg-copy

"Having dealt with several insurers, I am pleasantly amazed by the speed and efficiency of La Playa`s work!”

Toby C., Head of Communications, Academy of Ancient Music

bg-copy

“La Playa: Insurance with Intelligence. Passionate. Discerning. Independent.”

Specialist & Independent

Our in-depth understanding of the unique risk exposures in the art world means we speak your language - and we can save you time and hassle in the event of a claim. Our expertise is backed up with efficient and highly personal service and our wealth of experience spans over 50 years..

Whatever your specialism, we’ll take a creative and innovative approach to structuring your Fine Arts insurance programme and select for you an insurer who demonstrates understanding and experience of your field. We’ll support you with great advice - helping you manage your risks and make good decisions to protect your organization or collection.

At La Playa, we’re passionate about the arts and creative industries – many of us are practitioners and active consumers; in fact, La Playa founded the first ever corporate art collective.

As a Lloyd's broker, La Playa has solutions for even the most complex risks, and our services also include Business Protection and Employee Benefits. But what does "Boutique Service" actually look like?

The La Playa Way: Your Personal Risk Concierge

Show More

1

Careful listening to really understand your needs and priorities


2

As much help as you need with completing forms to provide risk information


3

A discreet and complimentary appraisal* to assess the risks and ensure you have the right cover where you need it


4

An independent market review - so you don’t have to shop around comparing policies, cover limits, risks covered and smallprint exclusions


5

Careful monitoring of the carriers’ financial strength, claims and customer service


6

An independent recommendation of the best policy for you - and why


7

Specialist policy wordings from underwriters who have demonstrated excellence and deep understanding of your risk exposures. We have analyzed a wide range of policy wordings and have selected only the best for our panel. Our advisers have a deep working knowledge of these policies
*subject to insurer availability


8

An intelligently designed portfolio of protection across multiple asset classes, liabilities and territories


9

Advice on how best to manage your risks - to keep you safe but also to keep insurance costs down


10

A dedicated adviser so you can speak to the same person each time.


11

Expert guidance on valuations, security and risk management, and connecting you with specialist advisers and suppliers


12

Direct phone and email access to your adviser for questions and advice.


13

Policy documents emailed to you - no logins and passwords to remember


14

An advocate beside you if you make a claim - thinking laterally to mitigate the impact, making useful connections to get you back up and running, and driving through a swift financial settlement


...and more. La Playa’s Personal Risk Concierge promises only the best,
ensuring that every client we work with is given utmost priority.
No call centres, hold music, hidden fees. with La Playa, you are our most important client.

Advice You Can Trust

…from an expert who understands you

  • Specialist insurance for media and digital
  • Independent professional advice
  • Relationship-based service: right beside you when you make a claim
  • “Can do” culture
  • Seamless insurance across US and UK
Fine Art

Are You Ready To Step Up Your Insurance Protection?

La Playa Logo