Umbrella Liability Insurance for Trucking & Commercial Businesses
for Trucking & Commercial VEHICLES
ELITE PARTNERS INSURANCE GROUP
Broader Protection Above Your Primary Liability Policies
Umbrella Liability Insurance provides additional liability limits and broader coverage over multiple underlying policies when serious claims exceed standard limits. At Elite Partners Insurance Group, we structure umbrella liability coverage for trucking and commercial operations that need higher limits, wider protection, and contract-ready insurance programs.
When a claim goes beyond primary limits—or falls into a coverage gap—umbrella liability coverage can make the difference.
ELITE PARTNERS INSURANCE GROUP
Who Needs Umbrella Liability Insurance
This coverage is critical for:
Trucking companies and fleets
Owner-operators working under broker or shipper contracts
Businesses with public-facing operations
Companies with multiple vehicles, drivers, or locations
Operations required to carry $2 million+ in total liability limits
Available in 47 states (not licensed in Hawaii, Alaska, or Delaware)
ELITE PARTNERS INSURANCE GROUP
What Umbrella Liability Insurance Covers
Additional Liability Limits
Provides extra coverage once the limits of your primary policies are exhausted—typically above Auto Liability and General Liability.
Broader Coverage Than Excess
May cover certain claims not included in underlying policies, subject to policy terms and self-insured retention.
Catastrophic Injury & Property Damage Claims
Helps protect your business from large verdicts, settlements, and lawsuits involving severe injuries or major property damage.
Umbrella coverage adds both higher limits and wider protection.
What Umbrella 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)
- Professional or intentional acts
- Losses below the required underlying limits
We help you combine the right policies so every part of your operation is properly protected.
Why Umbrella Liability Is Often Set Up Wrong
Many businesses run into problems because:
1.
Underlying policies don’t meet umbrella requirements
2.
Auto or general liability isn’t properly scheduled
3.
Coverage gaps exist due to incorrect policy structure
4.
Contracts require umbrella, but excess is mistakenly purchased
We structure physical damage policies that reflect real-world trucking—not generic assumptions.
ELITE PARTNERS INSURANCE GROUP
Stop Overpaying for
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.