At Beehive Insurance we recommend insurance protection for limits above those contained in a primary insurance policy. Excess insurance is designed to increase the limits of liability, thereby providing catastrophe coverage. Excess liability coverage is not activated to a loss until the amount of the loss exceeds (or exhausts) any existing primary policy limits.

Example: A primary $500,000 liability policy is written, and excess insurance is written for $2 million excess of the primary policy. The primary policy would pay all losses within $500,000 and the excess policy would pay losses in excess of the primary coverage, up to the
excess policy limit of $2 million.