Excess Liability Insurance for Trucking & Commercial Businesses
for Trucking & Commercial VEHICLES
ELITE PARTNERS INSURANCE GROUP
Extra Protection When Primary Limits Aren’t Enough
Excess Liability Insurance provides additional coverage limits on top of your primary liability policies when a serious claim exceeds standard limits. At Elite Partners Insurance Group, we structure excess liability coverage for trucking and commercial operations that face high-severity risks—helping protect your business, assets, and future when a large loss occurs.
When one claim can exceed a million dollars, excess liability coverage isn’t optional—it’s critical.
ELITE PARTNERS INSURANCE GROUP
Who Needs Excess Liability Insurance
This coverage is critical for:
Trucking companies and fleets
Owner-operators hauling under large broker or shipper contracts
Businesses with high public exposure
Companies with multiple vehicles or drivers
Operations working under contracts requiring higher limits
Available in 47 states (not licensed in Hawaii, Alaska, or Delaware)
ELITE PARTNERS INSURANCE GROUP
What Excess Liability Insurance Covers
Additional Liability Limits
Provides extra coverage once the limits of your primary policy are exhausted—typically above Auto Liability or General Liability.
Catastrophic Claims
Protects your business from large verdicts, settlements, or judgments involving severe injuries or significant property damage.
Covered Legal Defense Costs
Helps cover legal expenses associated with large liability claims, depending on policy structure.
Excess liability acts as a financial safety net for worst-case scenarios.
What Excess Liability Insurance Does Not Cover
Understanding coverage limits helps avoid surprises:
- Damage to your own truck or trailer (Physical Damage required)
- Cargo losses (Motor Truck Cargo required)
- Claims not covered by underlying policies
- Losses below the primary policy limit
We help you combine the right policies so every part of your operation is properly protected.
Why Excess Liability Is Often Set Up Wrong
Many businesses run into problems because:
1.
Underlying limits don’t meet excess carrier requirements
2.
Not all policies are properly scheduled
3.
Coverage gaps exist between primary and excess layers
4.
Contracts require umbrella coverage, not true excess
We structure physical damage policies that reflect real-world trucking—not generic assumptions.
ELITE PARTNERS INSURANCE GROUP
Stop Overpaying for
Excess Liability Insurance
If you’re an owner-operator, fleet owner, or contractor, chances are you’re paying for coverage you don’t need—or missing coverage you do. Elite Partners Insurance Group helps you switch smarter, with policies built to fit your operation and pricing that makes sense.
We shop the market, cut the waste, and get your coverage set up fast—so you can save money, stay compliant, and keep moving.
Serving 47 U.S. states.
Not Available in Hawaii, Alaska, or Delaware
A Commercial Truck Insurance Partner—Not Just Another Agent
Why Choose Elite Partners Insurance Group
Elite Partners Insurance Group specializes in commercial trucking insurance built to fit your operation. No cookie-cutter policies—just the right coverage to keep you compliant, protected, and saving money.
Fast commercial truck insurance quotes with quick turnarounds
Plain-language explanations—no insurance jargon
Policies structured to pass DOT audits, shipper requirements, and contracts
Strong relationships with factoring companies, finance companies, and fuel card providers
Real customer service before, during, and after the policy is written
OUR GUARANTEE
Every commercial insurance policy we sell is true to fit—no gaps, no wasted coverage, and no surprises when it matters most.