What is "excess liability insurance" designed to provide?

Excess liability insurance is specifically designed to provide additional coverage above the limits of a primary liability policy. This type of insurance essentially acts as a safety net, kicking in when the underlying policy's limits are exhausted due to a claim or lawsuit. For example, if a primary general liability policy has a limit of $1 million and a claim exceeds that amount, the excess liability insurance will cover the additional costs, up to its own limit. This is particularly useful for individuals or businesses that may face substantial liability risks that could exceed their primary insurance limits, thereby helping to protect their financial interests and assets in the event of a significant claim.

In comparison, legal representation in court, protection against workplace accidents, and general liability insurance address specific facets of insurance needs but do not encompass the broader and more substantial coverage that excess liability insurance provides. Therefore, it is the additional financial protection beyond primary liability limits that makes the correct answer fitting.