What changes at this stage
- D&O and cyber move into layered towers with excess markets
- Acquirers, auditors, and public market preparation make insurance a diligence workstream
- AI governance documentation starts affecting underwriting outcomes
The stack
- Layered D&O with Side A difference in conditions cover
- Excess Tech E&O and cyber towers
- Standalone AI liability where the base programme sublimits or excludes it
- International and subsidiary cover as you expand
Checklist
- Tower structure reviewed for gaps between layers
- AI exclusion audit across D&O, EPLI, E&O, cyber, and GL at each renewal
- Claims and incident documentation organised for diligence
Frequently asked questions
When do we need excess cover?
When a single primary limit cannot meet a contract requirement or a realistic loss scenario. Excess Tech E&O and cyber is a normal Series B conversation, and it is placed per tower, not off a shelf.
Talk through your stack before you sign the next contract
Send us the term sheet, the customer MSA, or the renewal you are worried about. We will tell you plainly what it requires, what your current programme does about it, and what we would place differently.