Who needs it
Fleets with contracts that require higher liability limits, and owners who want more protection than their primary limit gives them. Availability depends on your record and operation.
What it pays for
- Liability claims above your primary auto liability limit, up to the excess limit
- Claims above your general liability and employer's liability limits, if listed
- Defense costs, depending on the policy
What it won't pay for
- Anything your primary policy doesn't cover, usually (excess follows the primary policy)
- Claims that should have been paid by a primary policy you let lapse
- Damage to your own truck or freight
- Anything above the excess limit
What moves the price
We don't show prices online. These are the things an agent and the insurance companies look at.
- Your primary limits (the excess starts where they stop)
- The extra limit you want
- Number of trucks and where they run
- What you haul
- Your claims history
Real situations
- Your truck causes a multi-car crash and the injury claims use up your primary liability limit. Your excess policy pays the rest, up to its limit.
- A shipper contract asks for higher liability limits than your primary policy carries. An excess policy adds the extra limit so you can take the freight.