Excess Liability


Purchase Your Excess Liability (Umbrella) Insurance Through A Managing General Agent, Wholesaler or Underwriter

Excess Liability insurance is designed to provide an extra layer of coverage above the primary layer. The excess insurance is a separate policy and does not trigger until the primary layer has been exhausted. Since the majority of claims are settled at a dollar amount much less than the primary limit, the excess policy is used much less frequently, often times only on a catastrophic basis, and thus costs less.

Excess coverage, however, is becoming much more necessary due to the litigious society we live in. Court settlements and awards are at an all-time high in comparison to the past. It is viewed by many underwriters today as the working layer of loss, in other words catastrophic loss settlements are on the rise due to the society that we live in.

Also responsibility of loss has been partially shifted to shipper and freight brokers in some extreme cases. This has caused many shippers to require that the truckers carry higher limited than in the past, thus increasing the need for truckers to buy higher limits.

There is also a study underway by the Federal Motor Carrier Safety Association (FMCSA) to promote an increase in the current limits required by the law.


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Sunforest Transportation Insurance Group (STIG) is your source for trucking insurance. We know trucking and we will help you take great care of your clients.There are many places you can buy insurance but only one with insurance professionals who know the transportation industry the way we do. We provide retail agents access to top admitted and non admitted truck insurance companies. Coverage is offered in the Midwest and Mid-Atlantic region.We are not in the business of selling you insurance, but rather in the business of helping your trucking clients purchase insurance.

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