Second-Layer Liability Cover

Greater Insurance Capacity for the Most Demanding Risks

Certain business activities require levels of protection beyond those offered by standard liability policies. The increasing value of claims and the complexity of certain risks make additional insurance capacity essential.

At IBERIAN Insurance Group, we offer second-layer liability solutions designed to increase indemnity limits and provide robust protection against high-severity losses.

A Solution to Increase Insurance Capacity

Second-layer liability cover acts as an additional level of protection above the primary policy, increasing the available limit when claims exceed the capacity of the underlying insurance.

This solution enables businesses to:

Increase indemnity limits.
Strengthen protection against high-value claims.
Tailor insurance capacity to the specific needs of each company.
Complement domestic and international liability programmes.
Design flexible solutions for complex risks.

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Who Is It For?

This solution is particularly suitable for:

– Industrial companies.
– Construction and engineering firms.
– Service companies.
– Manufacturers and distributors.
– Large corporate accounts.
– Companies whose contracts require high liability limits.
– Organisations exposed to high-severity risks.

Why Choose IBERIAN’s Solution?

Our experience in underwriting complex risks enables us to structure second-layer programmes tailored to each client’s needs, optimising insurance capacity and providing flexible solutions for high-exposure operations.

We work closely with specialist brokers to design programmes that meet the requirements of each activity, ensuring continuous protection even in the event of exceptional claims.

Benefits

– Increased insurance capacity.
– Protection against claims with a significant financial impact.
– Solutions tailored to each sector and level of risk.
– Flexibility in the design of the insurance programme.
– Experience in complex risks and large corporate accounts.
– Specialist underwriting and technical support throughout the entire process.