If you fail to notify the excess carrier of a claim, what may the excess carrier do?

If you fail to notify the excess carrier of a claim, what may the excess carrier do?

• A. Refuse to pay the claim.
• B. Accept the claim.
• C. Request more information.
• D. Delay the claim for 30 days.

Answer: (A)

Notifying the excess carrier promptly is a condition of excess coverage. The excess insurer needs timely notice to evaluate, defend, and manage its risk. If that notice isn’t given, you breach the policy terms, and the excess carrier may elect not to pay the claim. They’re not obligated to cover a claim that wasn’t properly disclosed, so denial of payment is a valid remedy for late or missing notice. The other options don’t fit because late or absent notice undermines the carrier’s ability to handle the claim, so acceptance, information requests, or automatic delays aren’t guaranteed outcomes when notice is skipped.

Notifying the excess carrier promptly is a condition of excess coverage. The excess insurer needs timely notice to evaluate, defend, and manage its risk. If that notice isn’t given, you breach the policy terms, and the excess carrier may elect not to pay the claim. They’re not obligated to cover a claim that wasn’t properly disclosed, so denial of payment is a valid remedy for late or missing notice. The other options don’t fit because late or absent notice undermines the carrier’s ability to handle the claim, so acceptance, information requests, or automatic delays aren’t guaranteed outcomes when notice is skipped.