Excess Casualty Insurance Insurance: Average Premiums & Pricing Factors
Quick Answer
How much does Excess Casualty Insurance cost? Average premiums by business size, industry, and state — plus the key factors that drive your rate up or down.
Comprehensive FAQ, cost guide, and claims examples for excess casualty insurance — high-limit liability coverage above primary policies.
What You Need to Know
Excess casualty insurance provides additional liability coverage above primary general liability, auto, and employer's liability policies.
Excess Casualty Insurance Cost by Business Size
| Business Size | Annual Revenue | Typical Premium | Notes |
|---|---|---|---|
| Small Business | Under $1M | $1,000–$3,000/yr | $1M–$2M excess coverage. |
| Large Corporation | $50M+ | $25,000–$100,000/yr | $10M+ excess coverage. |
What Determines Your Premium?
- Underlying Risk (High impact) — High-risk businesses (construction, transportation) pay more for excess coverage.
- Coverage Limits (High impact) — Each additional $1M of coverage adds to the premium.