What term refers to a layer of coverage that provides insurance above the primary layer?

The term that refers to a layer of coverage providing insurance above the primary layer is "excess layer." This layer acts as additional coverage that kicks in once the underlying primary insurance layer has been exhausted. It is a crucial aspect of insurance structure as it allows for higher limits of coverage, ensuring that policyholders have protection against substantial losses that exceed the primary policy's limits. Excess layers are commonly used in various insurance policies, particularly in liability and property insurance, where significant risks are involved, and higher limits may be necessary to cover larger claims.