excess liability insurance
可分基层责任保险(Underlying Insruance)和超额责任保险(Excess Liability Insurance)等二类.
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excess liability insurance
超额责任保险
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Rather than try to win a judgment in excess of a small firm's liability insurance policy (and potentially force it to liquidate assets, which complicates payment), plaintiffs in many states can sue all along the company's supply chain to sweeten the spoils.
FORBES: Warning: Lawsuits Hazardous To Financial Health