When a loss touches several policies at once, recovery becomes a question of orchestration rather than a single claim. Primary and excess layers, additional-insured status under a counterparty's policy, and other-insurance and stacking provisions determine which insurer pays, in what order, and whether contributions are shared. For a senior executive, mismanaging this can leave layers unutilised or trigger disputes between insurers that delay payment. The report explains how multiple-policy interactions work in your chosen jurisdiction and industry, the primary-excess and additional-insured mechanics, the other-insurance and anti-stacking clauses that allocate liability, warning indicators of an overlooked policy, indicative recovery ranges from published disputes, and when to engage coverage counsel and brokers to coordinate the programme.
Reference material for informed readers, not advice.
