Excess Liability insurance is a type of policy that provides limits that exceed the underlying liability policy. It is no broader concerning the incidents covered by the primary insurance, meaning it will not expand the stated coverage but will provide higher limits on top of the original policy, subject to the limits and exclusions of the primary and excess policy, and the follow form principle. The primary purpose of Excess Liability insurance is to close coverage gaps and to offer an added layer of protection in case the underlying insurance is exhausted of all possible resources.  When a claim is reported to an insurance company, the first policy that will cover all financial losses and damages is the underlying, or primary, policy. But if the claim exceeds the limits of the primary policy, that is where Excess Liability policy kicks in, picking up the remaining costs that were not covered by the primary insurance. To learn more, contact your Volaris agent at 800-307-9480.