Excess insurance is a type of insurance policy that provides additional policy limits after the limits of an underlying insurance policy have been exhausted. It does not usually broaden the underlying policy’s coverage. Instead, it increases the amount available to pay covered claims. Most excess policies follow the terms and conditions of the underlying policy, unless they state otherwise. Excess insurance is available for many types of insurance, including liability, property, cyber, and directors and officers (D&O) insurance. See also, follow form, difference in conditions.