How it works
Per-Trip Excess Auto Liability Insurance
Add $1MM or $2MM of excess auto and general liability above your $1MM primary — for one trip.
Explainer video coming soon
Read on for how XS Auto works.
Excess auto liability layered over your primary policy for a single trip instead of a whole year. Bind online in minutes with an instant certificate.
- $1MM or $2MM excess per occurrence
- Auto and general liability in one layer
- Certificate emailed the moment you bind
- Available 24/7: nights, weekends, holidays
- Excess limit
- $1MM or $2MM
- Sits over
- $1MM primary AL & GL
- Term
- Per trip
- Paper
- Crum & Forster Specialty
- Territory
- US & Canada
- Certificate
- Instant, 2 holders
What is per-trip excess auto liability?
Excess auto liability (often called an umbrella) adds a layer of liability protection above your primary auto policy. Most carriers run a $1MM primary. Contract freight from large corporations frequently requires $2MM or more. Bought annually, that limit comes with a premium and finance charges that wipe out the margin on the loads that need it.
XS Auto is that excess layer, bought per trip. Choose $1MM or $2MM of excess auto and general liability above your $1MM primary, bind it for the days the load is moving, and get a certificate the shipper can accept, instantly.
Common questions
What is excess auto liability insurance for trucking?
It's an additional layer of liability coverage that sits above your primary commercial auto policy, commonly called an umbrella. It responds after your primary limit is exhausted, which is why shippers with high-value or high-exposure freight require it.
How much excess auto liability can I buy per trip?
You can choose $1,000,000 or $2,000,000 of excess auto and general liability per occurrence, sitting above your $1,000,000 primary layer.
Do I need a primary auto policy to buy XS Auto?
Yes. XS Auto is written in excess of a $1,000,000 primary auto liability and general liability limit. Your annual primary policy stays in force; the per-trip layer stacks on top of it for the covered trip.
Does the excess layer include general liability?
Yes. The per-trip excess layer covers both auto liability and general liability at the limit you select.
How long does per-trip excess auto coverage last?
You pick the coverage start date and duration to match the pickup and delivery dates on the bill of lading.
Can I get a certificate the shipper will accept immediately?
Yes. The certificate is generated and emailed the moment you bind, with up to two certificate holders (for example the shipper and the broker) listed on it.
Quoted per trip · single product · instant certificate on bind.