Excess liability insurance adds an additional layer of coverage above your primary commercial auto and general liability limits, protecting your transportation business from catastrophic claims that exceed your underlying policy limits.
Why Transportation Operators Need Excess Liability
A single serious accident involving a passenger vehicle can generate claims well above
Insure Limos | Commercial Transport & Luxury Livery Insurance
M — especially with multi-passenger vehicles like motorcoaches, NEMT vans, and stretch limos. Excess liability (also called umbrella coverage) sits on top of your primary auto and general liability policies, paying out once those underlying limits are exhausted.
How Much Excess Liability Coverage Do You Need
Most InsureLimos clients carry
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$5M in excess liability on top of
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–
Insure Limos | Commercial Transport & Luxury Livery Insurance
.5M primary auto limits. Corporate and airport contracts, school district contracts, and Medicaid broker agreements frequently require $5M+ in total combined coverage — excess liability is the most cost-effective way to reach those limits.
What Excess Liability Covers
Excess liability follows the same coverage triggers as your underlying auto and general liability policies — bodily injury, property damage, and third-party liability claims — but extends the available limit once the primary policy is exhausted.
Frequently Asked Questions
What is excess liability insurance?
Excess liability (umbrella) insurance provides additional coverage above your primary commercial auto and general liability limits, paying claims that exceed those underlying policies.
How much excess liability coverage do I need?
Most transportation operators carry
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$5M in excess liability. Corporate, airport, and school district contracts frequently require $5M+ in total combined coverage.
How much does excess liability insurance cost?
Excess liability typically costs
Insure Limos | Commercial Transport & Luxury Livery Insurance
,500–$5,000 per year for
Insure Limos | Commercial Transport & Luxury Livery Insurance
M in additional coverage, depending on fleet size, vehicle types, and claims history.
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