Coverage 07 of 12
Excess Limits & Umbrella
A $1 million policy is the floor, not the ceiling, for the contracts you want.
Excess liability sits above your primary auto liability and, when structured as an umbrella, above general liability and employers liability as well. Large shippers increasingly require $2 million or more, and jury verdicts in trucking regularly exceed the primary limit.
We quote excess as a layer on the policy you already have, or as part of a new package, and show the cost per million so you can choose a limit that matches the contracts you are chasing.
Who needs it
- Carriers signing contracts that require $2M+ limits
- Fleets with growing exposure or team drivers
- Hazmat and high-severity operations
What it covers
Inside the policy
Excess auto liability
Additional limits above the primary trucking liability policy.
Umbrella
A single limit that sits above auto, general liability and employers liability.
Defense costs
Legal defense when a claim pierces the primary layer.
FAQ
Excess Limits & Umbrella: common questions
Is an umbrella the same as excess?
An umbrella follows several underlying policies and can be broader; a straight excess policy follows only the auto liability form. For most carriers the excess auto layer is what the contract asks for.
What does a $1 million excess layer cost?
It depends on units, radius, commodity and loss history. We quote it alongside the primary so the total cost is clear before you commit.
Related coverage
Usually written alongside
Quote excess limits & umbrella with the rest of your policy.
Send us the basics. A licensed agent shops the carriers that want your class and calls you with actual numbers, ready to bind. Most quotes come back within 24 hours; many are completed and back in your hands within one to two hours on the same business day.