Drone exam · Insurance Safety A policy has a 2 million limit and a 5,000 excess. Which figure is the insured's retained portion for a covered claim, subject to wording? Select one answer A 2 million. B 5,000. C Both are the same concept. D Neither can affect a claim. Check answer Correct answer: B. 5,000. The excess is the amount allocated to the insured, while the limit caps insurer payment.