This photo is of a businessman is coming up a wooden staircase and represents excess liability insurance from The Andover Companies.


Adds an extra layer of liability protection to help safeguard a business and its valuable assets.

If a business experiences a claim that exceeds the limits of its primary liability insurance, it can result in a significant gap in coverage. Excess Liability Insurance may help protect your business and its assets by providing coverage over and above the underlying liability policy.

This photo is of a woman sitting in a coffee shop with her coworkers and represents excess liability insurance from The Andover Companies.


When a bodily injury or property damage claim against a business leads to a lawsuit, the related legal, medical, and settlement or judgment costs can escalate quickly. If these expenses surpass the limits of the company’s underlying liability policy, the business may be required to use its financial assets to cover any remaining monetary obligations. Excess Liability Insurance may help businesses cover this gap by providing an extra level of liability protection.

Excess Liability Insurance typically provides coverage for the following types of claims if they exceed the primary liability policy:
  • Advertising Injury
  • Bodily Injury
  • Host Liquor
  • Personal Injury
  • Products/Completed Operations
  • Property Damage
  • Damage to Premises Rented to Business Owner


Adding Excess Liability Insurance to your Businessowners Insurance Policy is typically a cost-effective way to protect your business and its assets. You may be able to increase your liability coverage up to as much as $5 million at an affordable cost. We encourage you to speak with one of the highly qualified independent insurance agents in our network to learn more about Excess Liability Insurance.

Building Close Relationships, Close to Home
with the Agents We Serve and People We Insure

“As small-business owners, we have always chosen to place our Businessowners Policy with The Andover Companies. Their product offerings are comprehensive, and their rates are competitive. Most importantly, we feel they have always done right in protecting us. We confidently recommend Andover and are grateful for the relationship we share.”

Lindsey S.

“I feel comfortable having my insurance with The Andover Companies. I know that if something terrible happens, they will be there to support my family and guide us through the process. Insurance can be confusing, especially when you have multiple policies, but they have simplified the details so we can understand everything easily!”

Bianca and Ray L.

“Andover has consistently provided top-notch support and service to our team and always strives to help us find reasonable solutions for our clients’ ever-changing insurance needs. We are proud to work with such an exceptional insurance provider and look forward to many years of our continued partnership.”

Heidi Summa
Agent | William Raveis Insurance


Step 1:

Click on the Find an Agent button to search for independent insurance agencies near you.

Step 2:

Contact the independent insurance agency you would like to work with by phone or email.

Step 3:

Leave it up to your agent to uncover the best coverage solutions for your valuable property.