Truckers Excess Liability Insurance
Overview of the Program from Transportation Risk Services
Transportation Risk Services (TRS) offers a focused Truckers Excess Liability Insurance program built for retail agents and brokers placing trucking and commercial vehicle accounts. As a specialty transportation MGA and wholesale broker headquartered in Barrington, IL, TRS concentrates exclusively on the transportation sector and provides tailored excess solutions for local, intermediate, long-haul, and public auto risks.
This non-admitted excess program supports experienced fleets and a wide range of commercial auto operations. Coverage may be placed as lead, excess, occurrence, or follow-form layers and can be used to layer Auto Liability, General Liability, and Employers Liability up to available capacity of $5,000,000.
Ideal Accounts and Appetite
TRS will consider all classes of truckers, with a preference for experienced fleets that maintain strong operating and safety controls. The program is also open to certain non-trucking commercial vehicle fleets on a case-by-case basis—agents should provide full risk details for eligibility review.
- All trucking classes considered (local, intermediate, long-haul)
- Experienced fleets preferred—stable loss history and robust safety programs
- Selected non-trucking commercial auto fleets considered by exception
Example accounts that often fit well: a regional dry-van carrier with multi-million primary limits seeking layered excess capacity, or a municipal contractor fleet that requires excess auto liability above strong underlying limits. Accounts with frequent large losses, egregious driving records, or insufficient underlying limits may not qualify.
Coverage Highlights and Advantages
TRS provides flexible excess structures to match each insured’s risk profile. Options include lead or excess placements, occurrence or follow-form language, and layers that attach above Auto Liability, General Liability, and Employers Liability primary programs.
- Lead, excess, occurrence, or follow-form coverage
- Supports Auto Liability, General Liability, and Employers Liability excess layers
- Capacity available up to $5,000,000
Underwriting Notes and Minimum Premiums
To place coverage, insureds must maintain specified minimum underlying limits. TRS reviews each submission to confirm alignment with underwriting standards and available capacity.
- Auto Liability: $1,000,000 CSL underlying
- General Liability: $1,000,000 / $1,000,000 / $1,000,000 underlying
- Employers Liability: $500,000 / $500,000 / $500,000 underlying
Minimum premium starts at $15,000 per policy, per million in coverage. Provide complete loss runs, current policies, and details on safety programs to accelerate review.
Territories and Availability
This program is available to appointed agents and brokers in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY.
Why Work with Transportation Risk Services
TRS brings deep transportation expertise and direct access to wholesale excess capacity for trucking risks. Their underwriting team understands the nuances of trucking exposures and works with agents to structure appropriate layers and forms. In addition to excess liability, TRS offers complementary products including Auto Liability, Physical Damage, Motor Truck Cargo, General Liability, Garage, Contractor’s Equipment, Warehouse Legal Liability, Umbrella, and Occupational Accident/Contingent Liability—enabling more complete program placements for transportation clients.
For faster placement, submit detailed loss runs, current policy forms and limits, and information about the insured’s safety and maintenance programs. TRS evaluates each account individually and can advise on suitable attachment points and layering strategies.
Frequently Asked Questions
What types of accounts are a good fit for this program?
The program is ideal for experienced trucking fleets of all classes, including local, intermediate, and long-haul operations. Some non-trucking commercial auto fleets may qualify on a case-by-case basis.
What coverages are available under this excess liability program?
The program provides excess coverage for Auto Liability, General Liability, and Employers Liability with options for lead, excess, occurrence, or follow-form structures.
What are the minimum underlying limits required?
Minimum underlying requirements include $1,000,000 CSL for Auto Liability, $1,000,000/$1,000,000/$1,000,000 for General Liability, and $500,000/$500,000/$500,000 for Employers Liability.
What is the minimum premium for this program?
Minimum premium begins at $15,000 per policy, per million in coverage.
Is this program available in my state?
This program is available in most states nationwide. Please review the list of eligible states above or contact TRS for specific availability.
Need help placing an account? Connect with a market specialist.