What’s Covered

Excess Liability

Additional limits that activate when primary policy limits are exhausted. Covers the same perils as underlying policies — bodily injury, property damage, and personal injury — with higher ceilings that match serious exposure.

Catastrophic Loss Protection

Coverage for claims involving multiple serious injuries, fatalities, or class action damages where settlements quickly exceed $1M or $2M primary limits. The difference between survival and bankruptcy.

Following Form Coverage

Excess policies that "follow form" of underlying policies — covering the same perils with the same exclusions. Prevents gaps between primary and excess coverage that leave you exposed mid-claim.

Aggregate Protection

Additional limits that apply across all claims in a policy period — critical when multiple serious incidents occur in the same year, exhausting both per-occurrence and aggregate primary limits.

How Velora Does It Differently

Exposure-Based Limits

We analyze your actual risk profile — payroll, revenue, vehicle count, operations — and recommend limits based on potential exposure, not arbitrary industry rules.

Following Form Verification

We ensure excess policies truly follow underlying policy forms. Many programs have mismatched exclusions that create coverage gaps when complex claims hit excess layers.

Self-Insured Retention Optimization

For clients with strong balance sheets, we structure higher retentions on excess layers to reduce premiums while maintaining catastrophic protection.

Multi-Line Coordination

Excess coverage should work seamlessly across GL, auto, and employer's liability. We structure programs so all underlying policies have consistent excess structures.

Additional Limits When Catastrophic Claims Exceed Primary Coverage

What’s Covered

Excess Liability

Additional limits that activate when primary policy limits are exhausted. Covers the same perils as underlying policies — bodily injury, property damage, and personal injury — with higher ceilings that match serious exposure.

Catastrophic Loss Protection

Coverage for claims involving multiple serious injuries, fatalities, or class action damages where settlements quickly exceed $1M or $2M primary limits. The difference between survival and bankruptcy.

Following Form Coverage

Excess policies that "follow form" of underlying policies — covering the same perils with the same exclusions. Prevents gaps between primary and excess coverage that leave you exposed mid-claim.

Aggregate Protection

Additional limits that apply across all claims in a policy period — critical when multiple serious incidents occur in the same year, exhausting both per-occurrence and aggregate primary limits.

How Velora Does It Differently

Exposure-Based Limits

Exposure-Based Limits

Following Form Verification

Following Form Verification

Self-Insured Retention Optimization

Self-Insured Retention Optimization

Multi-Line Coordination

Multi-Line Coordination

Excess liability coverage is your safety net

Know Where Your Risk Actually Stands

Talk to a Risk Advisor

Start a Quote

Make Velora Your Broker

Additional Limits When Catastrophic Claims Exceed Primary Coverage

What’s Covered

Excess Liability

Additional limits that activate when primary policy limits are exhausted. Covers the same perils as underlying policies — bodily injury, property damage, and personal injury — with higher ceilings that match serious exposure.

Catastrophic Loss Protection

Coverage for claims involving multiple serious injuries, fatalities, or class action damages where settlements quickly exceed $1M or $2M primary limits. The difference between survival and bankruptcy.

Following Form Coverage

Excess policies that "follow form" of underlying policies — covering the same perils with the same exclusions. Prevents gaps between primary and excess coverage that leave you exposed mid-claim.

Aggregate Protection

Additional limits that apply across all claims in a policy period — critical when multiple serious incidents occur in the same year, exhausting both per-occurrence and aggregate primary limits.

How Velora Does It Differently

Exposure-Based Limits

Exposure-Based Limits

Following Form Verification

Following Form Verification

Self-Insured Retention Optimization

Self-Insured Retention Optimization

Multi-Line Coordination

Multi-Line Coordination

Excess liability coverage is your safety net

Know Where Your Risk Actually Stands

Get Started with Velora Risk Partners

Talk to a Risk Advisor

Start a Quote

Make Velora Your Broker

Talk to a Risk Advisor

Book a Consultation

Talk to a Risk Advisor

Start a Quote

Make Velora Your Broker

Make Velora Your Broker of Record

Make Velora Your Broker

BOR Intake

Make Velora Your Broker

Broker of Record Authorization

Make Velora Your Broker

You’re All Set