What a tower of limits is, and why yours might be missing a floor
A tower stacks several policies to reach one large limit. The gaps usually sit between the floors, not inside them.
Insights
Notes from the desk.
Plain-language reads from our brokers and claims advocates on limits, claims, cyber and renewals.
Limits & towers, 3 articles
Limits & towers Limits & towers Follow form isn’t always following: reading excess wording
"Follow form" sounds like a promise that the excess policy matches the primary. The fine print often adds conditions.
Limits & towers Umbrella or excess? The difference that decides a claim
The words are used interchangeably. In a claim, the distinction can decide whether the policy pays.
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