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Marsh XSellence

Bringing clarity and contract certainty to follow form excess liability coverage.
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Simplicity

Greater coverage consistency within casualty programs, minimizing conflicting terms and conditions found in insurer excess liability policies.

Convenience

Accepted by the overwhelming majority of US insurers.

Flexibility

Coverage can be written as claims-made or occurrence to fit your risk management objectives.

Excess layer-to-layer coverage inconsistencies, including duty to defend language and "other insurance" clauses, can sometimes lead to claims being denied or payments delayed when you most need protection: following a catastrophic liability claim. Designed specifically to mitigate ambiguities in insurer-drafted excess forms, Marsh XSellence extends beyond traditional follow form coverage and creates a new level of consistency throughout excess liability towers.

Marsh XSellence is an innovative follow form product with features specifically designed to protect your right to recover from excess liability carriers without lengthy legal defenses or denials due to inconsistency of terms throughout your excess casualty program.

XSellence enhancements:

  • Applicable for either occurrence or claims-made coverage triggers.
  • Explicit understanding as to which underlying policy/policies it follows.
  • Affirmative duty to defend where contained in the followed policy.
  • Allows the underlying limit to be exhausted by payments made by a combination of the underlying carrier and the insured (negotiated partial settlement).
  • Intervening exclusions do not affect the layer written on the Marsh XSellence form. (Does not provide DIC, but attaches at the stated attachment point following the lead policy).
  • No independent exclusions or definitions incorporated into the form.
  • Explicitly follows the lead umbrella treatment of defense costs (inside or outside of policy limits).
  • Non-controversial “other insurance” clause.

Developed by an established team of catastrophic liability specialists dedicated to the design, negotiation, and servicing of complex umbrella excess liability programs, Marsh XSellence represents significant advancement in the insurance industry’s quest to achieve true follow form coverage.

Why Marsh

From our proprietary Marsh XSellence excess casualty form to analytics tools and more, our more than 450 specialized casualty colleagues deliver the industry’s most competitive and innovative solutions to address our clients’ unique needs.

Through our centralized approach to broking, we can see insurance market and industry trends develop more quickly than our competitors. Through our global network of offices in more than 100 countries, we can deliver highly coordinated solutions and consistently high quality service to you. And as the manager of over $10 billion in premium and loss costs annually, we bring unrivaled market experience and relationships to ensure that you have the best program structure and terms and conditions in your insurance program to manage your key risks.

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