Commercial Auto – Excess Auto Liability

From long-distance hauling to contractor fleets, Kinsale’s Commercial Auto Division offers Excess Auto Liability coverage, providing lead excess or buffer layers on an unsupported or supported basis.

We target small-to-midsize tractor trailer fleets and commercial contractor fleets, including those in difficult legal venues or with hard-to-insure operations.


  • Standalone Excess Auto
    • Appliance delivery
    • Contractor auto fleets
    • Energy/oil & gas auto fleets – includes tractor trailer fleets
  • Trucking
    • Short or long haul trucking
    • New ventures
    • For-hire trucking
  • Auto delivery services
  • Freight forwarders
  • Last mile package delivery or courier services
  • Pilot car services
  • Third-party logistics services
  • Tractor trailer fleets
  • Towing fleets
  • Warehousing operations

Underlying Requirements:

  • Automobile Liability – $1M Combined Single Limit
  • General Liability – $1M/$2M/$1M

Policy Structure:

Submission Requirements:

  • Underlying Auto Liability terms and, when applicable, General Liability terms
  • Auto fleet breakout by vehicle type, including radius of operations and commodities hauled
    • ­­Year, make, model, and 17-digit VIN also required
  • MVRs for drivers operating a scheduled auto
  • ACORD Commercial Insurance application and Excess/Umbrella application
  • Supplemental application, where appropriate (signed and dated by the insured when bound)
  • Five-year currently-valued company loss runs with a description provided for large losses (over $100,000)
  • Website information