How To Structure Your Excess Insurance Program

Law360, New York (December 21, 2012, 5:18 PM EST) -- In the course of counseling a client about insurance coverage matters, one of our recurring conversations is about the difficulty of deciding what amount of excess insurance is "just right" and isn't too little, too much or too costly. Once the discussion moves from the subject of the expense of building a robust coverage program, the conversation generally moves to assessing and evaluating the client's risk profile, potential liability exposures, what the client perceives as its "worst-case" liability scenario and its appetite for risk.

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