Excess Liability Insurance

In today’s legal and financial climate, a single catastrophic accident can expose your business to millions in damages—far beyond the limits of your primary liability policy. Excess Liability Insurance extends the protection of your existing policies by covering claims exceeding your primary limits. Shield your business from devastating losses that could otherwise threaten your operations, assets, and reputation.

Not always—but it’s strongly recommended. Transportation companies operate in a high-risk environment, and excess coverage offers peace of mind and financial security in the event of catastrophic loss.

Every fleet is different. Degree 9 will work with you to assess your risk exposure based on your operations, routes, fleet size, and past claims to determine the right level of protection. We offer Excess Liability Insurance built specifically for commercial transportation companies, with:

1. Coverage limits of up to $2,000,000
2. $1,500 minimum premium per $1M of coverage
3. Seamless integration into a fleet-focused risk management platform
4. Dedicated excess claims specialists to support investigations and resolutions
5. Access to risk consultants who provide expert guidance on safety programs, audits, and more

Excess liability coverage available in all states except New York.

Primary Liability covers claims up to a fixed limit. Once that limit is reached, Excess Liability insurance kicks in to cover additional costs, up to its own policy limit. In the event of a serious crash or multi-party claim, Excess Liability Insurance helps protect your fleet from costly verdicts including:

1. Rising claim costs and nuclear verdicts
2. Greater protection in high-risk scenarios
3. Contract requirements for certain clients

Excess Liability is ideal for:

1. Fleets with multiple vehicles or higher exposure
2. Specialized freight or high-value routes