Trucking commercial umbrella insurance.

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.