Securing adequate and appropriate Professional Indemnity (PI) cover is crucial for every legal practice, as stipulated by the SRA. But what happens when the standard primary limit just doesn’t cut it? That’s where Solicitor’s Excess Layers PI cover comes in, providing an extra layer of protection for potential high-value claims.

As an insurance broker, you understand the challenges your solicitor clients face in the ever-evolving PI market. Rising premiums, fluctuating quality and complex needs can make finding the right excess layer cover a daunting task. In addition, SME legal practices who want to take on a few higher value instructions as an investment in their practice are hesitant due to the impact of the cost of getting the required enhanced cover.


Access to quality excess layer paper has been limited in recent years. Aqueous launched a Solicitor excess layer product in 2023 in response to the need for an affordable solution. The Aqueous dedicated team are ready to service your enquiries using A+ security.
– Mark Ford, Chief Underwriting Officer, Aqueous Underwriting


We appreciate these demands on the SME legal practices and have created a Excess Layer PI product solution that is tailored and affordable, and backed by quality, both service and capacity rating.  


Forget the days of prohibitively expensive excess layers. We offer A+ rated security at competitive prices, making peace of mind accessible, affordable and flexible. Our experienced underwriters don’t work with a one-size-fits-all approach, instead, we craft solutions that match your client’s individual risk profile and specific requirements. And because getting ahead as time to renewals looms near, we can provide fast quotes and efficient service, even without access to primary policy details.


These are some key highlights of our excess layers cover:


  • Limits up to £5 million: Provide your clients with ample protection for even the most substantial claims.
  • Up to 75% Conveyancing Coverage: Address the specific risks associated with property transactions.
  • Fee Income up to £10 million: Cater to a wider range of practice sizes.
  • Applicable for Firms with 2+ Partners: Offer comprehensive solutions for diverse legal structures.
  • Fast Turnaround and High-Quality Service: We value your time and expertise, ensuring a smooth and efficient experience.


Remember, the “claims made” nature of PI insurance means excess layer cover needs to be maintained long after specific transactions are completed. Our flexible solutions adapt to your client’s evolving needs, offering long-term peace of mind.

If you’d like to explore the benefits our Solicitors Excess Layers PI cover can offer your clients, download our product appetite sheet, get in touch with our team or simply request a quote here today.


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