overcautious

[oh-ver-kaw-shuhs]
adjective
excessively or unnecessarily cautious: Sometimes it doesn't pay to be overcautious in business.

Origin:
1700–10; over- + cautious

overcautiously, adverb
overcautiousness, noun
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Based on the Random House Dictionary, © Random House, Inc. 2014.
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WordNet
overcautious

adjective
unnecessarily cautious; "sometimes it doesn't pay to be overcautious in business" 
WordNet® 3.0, © 2006 by Princeton University.
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Example sentences
For critics these same traits make the president dithering, overcautious and even bland.
Often similar overcautious conclusions are drawn in relation to other forms of limits.
His left-wing hecklers see him as an overcautious hedger.
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