In less than 60 seconds, get prices for Excess of Loss (XoL) online using Pen Central.

We can provide excess layers for
- Employers’ liability
- Products liability
- Property owners liability
- Public liability
- Non-negligence (not available via Pen Central)
- Third party motor liability (not available via Pen Central)

WHY PEN?

Pen XoL offers flexible limits to meet the needs of your clients. Additionally, we allow you to quote and bind over 2,500 trades across a wide range of sectors online, via Pen Central. We will offer, as standard, multiple quote options in addition to the limit of cover you requested. On the off chance that a referral is needed for your client, our commitment is to get back with a decision within 12 hours or sooner.

• We cover Archaeologists to Zoologists and thousands of trades in between
• We will give you multiple quote options as standard, saving you additional time
• With a 98% quote rate, we’re likely to have a solution for you
• Our XoL can pay out even if the primary insurer applies proportional settlement.
• Our decision to grant cover does not rest solely on the primary insurer's remedy

WHY INCREASE YOUR COVER?

Since the 2017 Ogden Rate changes, Excess of Loss insurance has become more significant and relevant than ever to a wider range of companies and trades.

The impact of this change has significantly increased the potential for higher awards to be made. Many businesses are now increasing their limits of indemnity, either for their own peace of mind or because of contractual obligations.

Given the potential awards it only takes a serious incident affecting a few people for standard limits of indemnity to be exceeded.