Product / Service
Casualty Market Insights
The Modern Excess Casualty Tower
How fragmented excess tower structures are changing claims coordination in large casualty
Large excess casualty towers have changed significantly over the past decade. Structures that once relied on a handful of insurers now often require broader market participation, more layers and increasingly distributed sources of capital. As complexity increases, organizations face a new challenge: maintaining alignment across stakeholders when severe claims place pressure on the entire tower.
Drawing on Aon's proprietary casualty analysis, this report examines how these structural shifts are reshaping the excess casualty landscape and explores the implications for claims coordination, communication and performance during large-loss events.
In this report, you'll learn:
- What's driving increased fragmentation across excess casualty towers
- Why tower structure may influence claims coordination during large losses
- How leading organizations are approaching communication across multiple markets
- Questions to help assess preparedness for a major casualty event
2.3x
Increase in excess policies required to secure the first $100M of coverage since 2015.
Source: Aon's proprietary casualty analysis, 2026
Casualty Market Insights
The Modern Excess Casualty Tower
The structure of excess casualty towers is becoming increasingly complex. As market participation expands across more insurers and layers, organizations may face new challenges when severe claims place pressure across the tower. Explore the forces reshaping today's excess casualty market and practical considerations for strengthening communication, coordination and alignment when it matters most.
