Excess Liability.
Additional liability limits designed to go beyond your underlying commercial auto coverage.
Higher Limits for Greater Protection
When a serious accident involves a business vehicle, the liability claims can exceed your underlying policy limits. Commercial auto umbrella and excess liability insurance provides additional liability limits that go beyond your underlying coverage. We help Texas business owners understand their excess liability options.
What This Coverage Can Help Protect
Additional Liability Limits
Provides additional liability limits that go beyond your underlying commercial auto policy.
Underlying Insurance Requirements
Excess liability typically requires underlying coverage at specified minimum limits.
Business Liability Exposures
Helps address larger liability claims that exceed underlying policy limits.
Higher-Limit Coverage
We help you think through whether higher liability limits are appropriate for your business.
Coverage Considerations
Underlying Limits
Excess liability requires underlying coverage at specified limits. We help you understand the requirements.
Business Risk
Businesses with higher risk exposure may benefit from higher liability limits.
Asset Protection
Higher limits help protect business assets from large liability claims.
Cost Considerations
Excess liability provides significant additional protection at a relatively modest cost.
Who This Coverage Is For
High-Risk Operations
Businesses with higher liability exposure, such as trucking and transportation.
Asset Protection
Businesses that want to protect their assets from large liability claims.
Contract Requirements
Some contracts require excess liability coverage at specified limits.
What do you need to insure?
Select the vehicle type that best describes what you drive for business.
Commercial Auto Umbrella / Excess Liability Questions, Answered
Both provide additional liability limits beyond underlying coverage. An umbrella policy may provide broader coverage that fills some gaps, while an excess policy follows the underlying policy terms. We help you understand the difference.
The right amount depends on your business risk, assets, and contractual requirements. We help you evaluate your needs and explore available limits.
Yes. Excess liability typically requires underlying commercial auto coverage at specified minimum limits. We help you understand the requirements.
Ready to Explore Your Options?
Start with a few details and let our team help with the rest.
Coverage Disclaimer: This page is for informational purposes only and does not describe any specific insurance policy. Coverage, availability, eligibility, features, discounts, and limits vary by product and jurisdiction and are subject to policy terms, conditions, limitations, and exclusions. Actual terms, limits, exclusions, eligibility, and availability depend on the selected policy and insurer. Contact Texas Commercial Auto Insurance to discuss your specific situation and available options.