Are insurance companies that deal in excess liability responsible to check the being have essential liability ins.?

Answers: I used to work for a State Farm Insurance agency. We never offered "excess liability" on its own. Comprehensive, Collision, Theft, etc be always extras added to liability.
No, but the insured person promises to maintain the underlying insurance. The excess insurer will not money any more if the insured person does not keep that promise.
Responsible? No, and here's why: Because they'd have to check every single day of the year to see if you voluntarily cancelled the underlying policy, which you could well do, any day you wanted to. THAT'S the unbroken point of the "underlying limits requirements" clause. SOME policies also include a "following form" clause, so they only cover what the underlying policy covers - no underlying policy, no coverage at adjectives.

BUT, on the other hand, as part of the underwrite process, they are ENTITLED, at their OPTION, to ask you for a copy of any and all underlying policies - the carriers, the dec page, the policy lingo, etc. And most of the time when they do that, they LIST the policy number, carrier, line of business, and impressive date, as the ONLY policies that they will be excess, over. Source(s): agent, 20+ years

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