Trucking commercial umbrella insurance.
A serious trucking accident can far exceed a primary liability limit, and shippers and brokers increasingly require higher limits. An umbrella adds excess limit over your auto and general liability.
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Why carriers need excess limit
Truck accidents can produce very large claims, and a single serious loss can exceed your primary liability limit, exposing the business beyond it. An umbrella provides additional limit above the underlying coverage, protecting the operation from a catastrophic gap.
Contracts and shippers
Shippers, brokers, and some facilities increasingly require more total liability than the federal minimum or a base policy provides, often specifying an umbrella at a stated limit. Meeting those requirements is frequently a condition of the freight.
How it sits on the program
An umbrella sits over your auto liability and general liability, so the underlying limits and any gaps carry through. We confirm the umbrella actually sits over the right policies at the limit your contracts and exposure require.
Common questions.
Does a trucking business need an umbrella?
What does a trucking umbrella cover?
How much umbrella do I need?
Is this coverage right on your policy?
Tell us how you operate and we will check this coverage against your authority, cargo, and contracts. Educational, no obligation.
Add the limit a serious claim demands.
Tell us your exposure and contracts and we will size umbrella coverage to fit.