Standalone Excess Auto
- Appliance delivery
- Contractor auto fleets
- Energy, oil and gas fleets
- Tractor trailer fleets
Commercial Auto Coverage
COMMERCIAL AUTO
EXCESS LIABILITY
A higher layer of commercial auto protection for transportation operations, fleets, and businesses with significant vehicle exposure. Build an underwriting-ready excess submission with Truxsurance.
Limits
Up to $5M
Fleet size
Up to 250 units
Territory
Eligible markets
Protection Above Primary
Designed to sit above scheduled primary auto liability coverage for covered high-severity losses.
Underwriting-Ready
Built around the fleet, radius, losses, safety controls, and underlying policy information markets need.
Transportation Focus
For eligible truck-for-hire, specialty auto, delivery, logistics, and fleet-based operations.
Excess auto liability
When the primary limit is not enough, the stakes can be the entire business.
Commercial auto losses can involve multiple vehicles, severe injuries, costly property damage, and large contractual exposures. A properly structured excess layer can add capacity above the underlying auto liability policy.
Truxsurance reviews your operation, underlying policy, loss history, and safety controls to prepare a clean submission for the appropriate excess market. Coverage availability, terms, limits, attachment points, and pricing depend on underwriting.
Target classes
Operations we can take to market
We review individual risk characteristics, loss experience, and primary coverage. These are target classes—not a guarantee of eligibility or coverage.
Trucking
- Short or long haul trucking
- New ventures
- For-hire trucking
- Auto delivery services
Transportation & Logistics
- Freight forwarders
- Last-mile package delivery
- Courier services
- Pilot car services
- Third-party logistics
Specialty Fleet
- Non-emergency medical transport
- Non-emergency ambulance services
- Van and shuttle operators
- Towing fleets
- Warehousing operations
Policy structure
Built above the coverage you already carry
Follow-form excess
Excess coverage is generally structured to follow the scheduled underlying auto policy, subject to the actual policy terms, conditions, endorsements, and excess form.
Capacity to $5 million
Available limits can reach $5 million. Common submissions seek $1 million or $2 million excess limits, but the right amount depends on contracts and exposure.
No radius cap concept
Local, intermediate, and long-haul fleets can be reviewed. Radius, territory, vehicle mix, and loss history are all part of the underwriting discussion.
Underlying policy review
The submission should include the underlying carrier, effective dates, primary limits, premiums, forms, endorsements, and any applicable general liability or employer's liability support.
Risk management matters
Driver qualification, MVR practices, safety meetings, vehicle maintenance, personal-use controls, and the quality of loss information all help tell the underwriting story.
Submission requirements
A complete file gets a better review.
Use the two-step application below to begin the quote request. You can also upload the supporting documents that make the risk easier to evaluate.
Start the excess auto application- 1Completed ACORD application and excess auto supplement
- 2Currently valued loss runs for the prior 3 to 5 years
- 3Commodities hauled, shown as a percentage of total operations
- 4Vehicle schedule and fleet breakdown by vehicle size
- 5Radius split: 0-50, 51-200, 201-500, and 501+ miles
- 6Historical Summary C showing fleet size, annual mileage, and revenue
- 7Underlying quote, binder, or policy showing carrier, term, premium, limits, and forms
You may upload loss runs, current coverage, schedules, and supporting documents during Step 2.
Two-page application
Begin your Excess Auto Liability submission.
Step 1 captures the applicant and fleet snapshot. Step 2 captures the vehicles, drivers, operating profile, requested excess coverage, and supporting documents.
Step 1 of 2 — Quick Info
FAQs
Commercial Auto Excess Liability Questions
What is commercial auto excess liability?
Commercial auto excess liability adds a layer of protection above a scheduled primary auto liability policy. It is designed for covered severe losses that exhaust the underlying policy limit, subject to the selected policy terms, attachment point, and exclusions.
Is excess auto liability the same as umbrella liability?
Not always. Excess auto typically follows the scheduled underlying auto policy. An umbrella may sit above more than one underlying policy and can have different terms. We review the underlying coverage and contract requirements before presenting options.
How much limit should a fleet carry?
The proper limit depends on fleet size, operating radius, vehicle type, contracts, commodities, assets, safety controls, and loss history. Many commercial auto accounts seek $1 million or $2 million of excess limits, while larger contractual or catastrophic exposures may need more.
Can new ventures be considered?
New ventures may be considered depending on the operation, experienced management, driver quality, equipment, primary coverage, and the complete submission. The application lets us capture those details for underwriting review.
What primary policy is needed?
The underlying auto liability policy needs to be identified and reviewed for carrier quality, term, limits, and forms. Excess is generally structured to follow the underlying coverage, so the actual policy documents matter.