Coverage

Easy Excess program features

Coverage available to 400 classes of business, including manufacturing risks
Can be attached over general liability, liquor, auto and employers liability
Liability limits from $1 million to $5 million
Minimum premiums range from $550 to $950 per million, depending on the state and territory
True follow-form product
Short-term policies available

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Frequently asked questions about excess liability insurance for small businesses

What is excess liability insurance for small businesses?

Excess liability insurance for small businesses provides additional liability limits above eligible underlying insurance policies. RLI offers excess liability insurance for small businesses through Easy Excess, an online wholesale program designed to make it easy for authorized brokers and agents to quote, bind and issue coverage.

How does excess liability insurance work for a small business?

Excess liability insurance provides additional limits above eligible underlying liability policies. RLI's Easy Excess is a true follow-form product that can attach over general liability, liquor liability, auto liability and employers liability coverage.

What is RLI Easy Excess?

Easy Excess is RLI's excess liability insurance program for small businesses. Available through Gridiron's online wholesale portal, the program allows RLI-authorized brokers and agents to quickly quote, bind and issue excess liability policies for eligible small business risks.

What businesses are eligible for RLI Easy Excess?

RLI Easy Excess is available to 400 classes of business, including manufacturing risks. Eligibility depends on the individual business, underlying insurance and applicable underwriting requirements.

Does RLI offer excess liability insurance for manufacturers?

Yes. Manufacturing risks are among the 400 classes of business eligible for consideration through RLI's Easy Excess program. Coverage availability is subject to underwriting requirements.

How much excess liability coverage can a small business get from RLI?

RLI Easy Excess offers liability limits ranging from $1 million to $5 million, giving eligible small businesses the ability to purchase additional liability limits based on their insurance needs.

What types of insurance can RLI Easy Excess provide coverage over?

RLI Easy Excess can attach over eligible general liability, liquor liability, auto liability and employers liability policies. This allows qualifying small businesses to obtain additional limits above multiple types of underlying liability insurance.

Can RLI Easy Excess provide additional coverage over general liability insurance?

Yes. RLI Easy Excess can attach over eligible commercial general liability insurance, providing additional liability limits above the underlying general liability policy.

Can RLI Easy Excess provide excess auto liability coverage?

Yes. Auto liability is one of the underlying coverages eligible for RLI Easy Excess. The excess policy can provide additional limits above qualifying underlying auto liability coverage.

Can RLI Easy Excess provide coverage over liquor liability insurance?

Yes. RLI can provide excess commercial liability coverage over scheduled automobile liability insurance, giving eligible businesses Yes. RLI Easy Excess can attach over eligible liquor liability insurance, providing qualifying small businesses with additional liability limits above their underlying liquor liability coverage.

Can RLI Easy Excess provide coverage over employers liability insurance?

Yes. RLI Easy Excess can attach over eligible employers liability insurance, subject to the program's underwriting requirements and policy terms.

What does "follow-form" excess liability insurance mean?

A follow-form excess liability policy generally follows the terms and conditions of eligible underlying insurance, subject to the provisions of the excess policy. RLI Easy Excess is designed as a true follow-form excess liability product.

Does RLI offer short-term excess liability insurance policies?

Yes. Short-term policies are available through RLI's Easy Excess program, providing additional flexibility for eligible small business risks that require coverage for a shorter period.

How do insurance agents and brokers get an RLI Easy Excess quote?

RLI-authorized brokers and agents can quote, bind and issue policies online through Easy Excess, available through Gridiron's dedicated wholesale excess liability portal.

Why consider RLI Easy Excess for small business excess liability coverage?

RLI Easy Excess combines an online quote, bind and issue process with coverage for 400 business classes, limits from $1 million to $5 million, multiple eligible underlying liability coverages, short-term policy options and a true follow-form product.

Access Easy Excess through Gridiron, an RLI exclusive partner

RLI’s excess liability insurance policy for small businesses is available through Easy Excess, Gridiron’s dedicated online wholesale excess liability portal. Easy Excess liability coverage is available to 400 business classes and can be attached over General Liability, Liquor, Auto and Employers Liability.

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Excess Liability for Small Businesses

Easy Excess program features

Frequently asked questions about excess liability insurance for small businesses

Access Easy Excess through Gridiron, an RLI exclusive partner

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