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Connecticut umbrella and excess liability: match the DAS value bands

Connecticut DAS’s standard design-bid-build conditions, revised October 1, 2025, set umbrella limits by contract value and require a drop-down provision for exhausted underlying aggregates. They list the GL, auto, workers’ compensation and employer-liability sections the layer sits above. Treat the table as a contract-form requirement and compare each endorsement against the final contract value. 1,2

What Is Umbrella And Excess Liability?

Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. Read the national Umbrella and excess liability guide.

Connecticut Requirements

RequirementDetails
DAS design-bid-build umbrella bandsThe 10/1/2025 form sets $1 million for $1–$500,000 contracts, $2 million for $500,000.01–$1 million, and $5 million for $1,000,000.01–$10 million; higher contract values follow the table in the form. 1
Exhausted aggregate provisionThe form calls for a drop-down provision for exhausted underlying aggregate limits and places the umbrella over CGL, auto and workers’ compensation/employer-liability sections; Connecticut is named as an additional insured. 1
Workers’ compensation is a separate employer dutyWith few exceptions, Connecticut requires employers to carry WC for employees. Sole proprietors must elect into the Act to be treated as employers for insurance purposes; owners/officers and LLC or partnership members may elect exclusion. 2

What to Watch for in Connecticut

  • Use final contract value, not an early estimate

    DAS ties the umbrella amount to contract value. Recheck the signed amount against the threshold table and request an updated certificate if change orders move the job into another band. 1

  • Read the actual drop-down wording

    A high per-occurrence limit does not alone show how the layer responds when an annual underlying aggregate is exhausted. Verify the drop-down trigger and attachment conditions in the umbrella form and endorsements, not only the certificate. 1

  • Verify who is included in the WC underlying

    Connecticut’s employer page describes owner and entity-member election rules and few exceptions. Confirm employee classifications and the underlying employers-liability section before assuming the umbrella schedule meets the contract. 1,2

Who Regulates Insurance in Connecticut

Connecticut Insurance Department

The Connecticut Insurance Department licenses insurance producers and companies, oversees insurers and regulated insurance activity, and investigates insurance complaints. Its complaint and license-search services let you raise an issue or check an insurance professional or company. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 4% of gross premium when Connecticut is the home state When Connecticut is the insured’s home state, surplus-lines tax is 4% of gross premium; certain state and local government insureds are exempt, and broker or policy fees are not part of the premium-tax base. Connecticut’s required notice says these policies are outside the state guaranty association. Most placements require three declinations or an export-list qualification; an exempt commercial purchaser may qualify for the federal § 8205 search exception after disclosure and a written request. 6,7,8

Providers With Documented State Licenses

These providers publish a national listing for Umbrella and excess liability; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Connecticut. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 11
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 14
  • VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. 15

Questions to Ask Before You Buy in Connecticut

  1. What is the contract’s final value and which DAS limit band does it fall in after all options and amendments?
  2. Does the umbrella endorsement drop down when an aggregate is exhausted, and does it follow the exact CGL, auto and employers-liability policies listed?
  3. Which owners or entity members have elected out of Connecticut workers’ compensation, and does the contract require any additional evidence for them?

Umbrella And Excess Liability in Connecticut: FAQ

What umbrella amount applies above $10 million under the DAS form? 1

Use the higher-value rows in the current DAS table; the cited excerpt shows the first three bands only. Check the full 10/1/2025 form and your contract value rather than extrapolating the $5 million band. 1

Does a Connecticut sole proprietor automatically count as an employer for WC purposes? 2

The Workers’ Compensation Commission says a sole proprietor must accept the Act’s provisions to be considered an employer for insurance purposes. Other owner or member elections also have specific rules. 2

Umbrella And Excess Liability in Other States

Other Coverage in Connecticut

Sources

  1. 00 72 13 General Conditions for Design-Bid-Build. Connecticut Department of Administrative Services; 5000 General Conditions, rev. 10/01/2025; § 35.1.4 and umbrella limit table, pp. 25–26. Accessed 2026-09-28.
  2. About Workers’ Compensation Insurance. Connecticut Workers’ Compensation Commission; Employer insurance requirements, owner elections and out-of-state employer note. Accessed 2026-09-28.
  3. Connecticut Insurance Department. Connecticut Insurance Department; Official Department homepage; mission and department resources. Accessed 2026-09-28.
  4. Licensing. Connecticut Insurance Department; Department licensing resource landing page; links to state agent and company license lookup. Accessed 2026-09-28.
  5. Ask a Question or File a Complaint. Connecticut Insurance Department; Online complaint form and consumer affairs helpline. Accessed 2026-09-28.
  6. FAQs: Surplus Lines Brokers. Connecticut Insurance Department; Current tax rate, tax base and exemptions, diligent-search rules, guaranty-fund notice. Accessed 2026-09-28.
  7. FAQs: Surplus Lines Brokers. Connecticut Insurance Department; Question on surplus-lines notice states Connecticut Insurance Guaranty Association does not cover these policies. Accessed 2026-09-28.
  8. 15 U.S.C. § 8205: Streamlined application for commercial purchasers. U.S. House of Representatives, Office of the Law Revision Counsel; Broker's due-diligence search exception for an exempt commercial purchaser requires prior disclosure that admitted-market insurance may offer greater protection/regulatory oversight and the purchaser's subsequent written request for nonadmitted placement. Accessed 2026-09-28.
  9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  10. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  11. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  12. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  13. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  14. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  15. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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