Excess Insurance

With the tightening of the credit markets, it is often difficult to get the coverage needed from just one carrier. Alliant Trade Credit can combine the capacity of multiple carriers together to get you the most protection possible.

Combining Capacity Through Excess Insurance

We work with carriers to "layer" coverage on top of each other to combine capacity through excess insurance. You have a primary limit and then one or more layers of "excess" insurance coverage above primary coverage. As you work out of a debt, the excess layers are retired first, working down to the primary limit.

Alliant Trade layers coverage to combine capacity through excess insurance.

Combining Capacity Through Syndication

As an alternative to excess insurance, we can also combine capacity through syndication, where two or more insurance carriers work together to "share" a risk. They can take different percentage positions to achieve the necessary limit. In these cases, the carriers share any loss as their respective interest in the syndication appear. This can be a very powerful tool as it allows you to maximize coverage while spreading the risk around to the various insurers.

Alliant offers excess insurance that allows you to combine capacity through syndication.