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DC umbrella and excess liability: match the contractor license class

The District’s general-contractor and construction-manager classes set different CGL floors and project ceilings. DLCP explicitly permits primary or umbrella CGL for Classes A and B; Classes C, G and H have separate amounts and ceilings but no matching umbrella parenthetical in this table. Home-improvement liability limits are a different requirement from its separate $25,000, two-year surety bond. District procurement also sets contract-specific insurance, with ORM review above $100,000. 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.

District of Columbia Requirements

RequirementDetails
General contractor/CM license classesFor general contractors/construction managers, DLCP lists: A—$2.5m per occurrence, no single-contract value cap; B—$1.5m per occurrence, projects up to $10m; C—$500k per occurrence/$1m aggregate, projects up to $5m; G—$500k per occurrence/$1m aggregate, projects up to $2m; H—$500k per occurrence, projects up to $500k. The table expressly says “primary or umbrella” for A and B only. It does not state that permission in the C, G or H rows; confirm with DLCP before relying on an umbrella for those classes. These requirements attach to license classes and their project ceilings, not proof that a particular business holds a class. 1
Separate home-improvement contractor ruleHome-improvement contractor license requirements are separate: DLCP lists $50,000 bodily injury/death for one person, $100,000 aggregate for more than one person, and $10,000 property damage per accident. Separately, each applicant must post a $25,000 surety bond for the two-year license period. The $10,000 figure is the property-damage limit, not the bond amount. 1,3
District contracts have a separate review processFor District procurement contracts, contracting officers set and communicate minimum insurance; Statements of Work for procurements over $100,000 go to the Office of Risk Management for review before solicitation or award. 2

What to Watch for in District of Columbia

  • Choose the right class before pricing the layer

    Price against the actual general-contractor/construction-manager class and project ceiling. DLCP’s table expressly permits primary or umbrella CGL only for A and B; do not carry that wording across to C, G or H. Confirm class eligibility and acceptable evidence with DLCP before a contract value exceeds the class ceiling. 1

  • A license limit may not satisfy a procurement clause

    DC’s license thresholds and a District contract’s insurance schedule are different requirements. Request the contract-specific minimums early; the procurement policy provides for review before solicitation or award above $100,000. 1,2

  • Verify that umbrella is accepted for the exact CGL requirement

    The DLCP table uses the parenthetical “primary or umbrella” in the Class A and Class B CGL rows. Its C, G and H rows do not include that wording, and a license-class rule does not settle separate auto, WC, grant, permit or procurement requirements. Confirm any umbrella substitution for your exact class and compare the binder and endorsements with the applicable requirement. 1,2

Who Regulates Insurance in District of Columbia

District of Columbia Department of Insurance, Securities and Banking

DISB licenses and supervises insurance companies and producers, enforces District insurance laws, and provides consumer complaint assistance. Its licensing search covers insurance entities and representatives; consumers can contact the agency’s complaints unit for help. 5,6,8

Surplus-lines tax and stamping office

Reported tax rate: Generally 2% of gross premium, including qualifying placement fees When the District is the insured’s home state, surplus-lines agents and brokers generally owe a 2% tax on gross premium, including necessary fees incidental to placement when separately itemized. An agent or broker procuring insurance on behalf of the District government is exempt for that government business; claiming the exemption requires identifying its allocation in the required affidavit and does not waive other statutory duties. Ask the broker which taxes and fees your agreement passes through to you. DISB generally requires a diligent effort to place risks with authorized insurers. For a purchaser meeting the federal exempt-commercial-purchaser definition, the broker may skip that search only after disclosing that insurance may or may not be available from the admitted market, which may provide greater protection with more regulatory oversight, followed by the purchaser’s written request for nonadmitted placement. This record does not state a District-specific guaranty-fund conclusion. 7,9,10,11,4

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 District of Columbia. 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. 14
  • 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. 17
  • 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. 18

Questions to Ask Before You Buy in District of Columbia

  1. Which DC license class and project-value ceiling apply to your business, and does the cited class permit umbrella limits for that requirement?
  2. Has the contracting officer or ORM approved the contract-specific insurance schedule, including any umbrella substitution or additional-insured wording?
  3. Are you bidding District work, holding a contractor license, or doing both—and which different evidence deadlines apply?

Umbrella And Excess Liability in District of Columbia: FAQ

Can an umbrella satisfy the DC general contractor license CGL limit? 1

DLCP expressly says the Class A $2.5 million and Class B $1.5 million CGL floors may be primary or umbrella. It lists different CGL amounts and project ceilings for C, G and H but does not repeat that permission in those rows. Ask DLCP how it will treat the actual class before relying on an umbrella. 1

When does DC ORM review a procurement’s insurance requirements? 2

The Office of Risk Management states that Statements of Work for procurement contracts over $100,000 are sent for review before solicitation or award. Ask the contracting officer for the final contract-specific requirements. 2

Umbrella And Excess Liability in Other States

Other Coverage in District of Columbia

Sources

  1. Mandatory Insurance Levels and Claims Support. DC Department of Licensing and Consumer Protection; DLCP Mandatory Insurance Levels, General Contractor and Construction Manager table, 17 DCMR §3902.1(a)–(e): A–H applicable table rows; A and B explicitly allow primary or umbrella; C/G/H do not state the same parenthetical; project value limits; Home Improvement Contractors, 16 DCMR §803.2: $50k/$100k bodily injury/death and $10k property damage per accident. Accessed 2026-09-28.
  2. Requirements for Contractors, Grantees, and Permittees. DC Office of Risk Management; Procurement insurance policy and SOW review threshold, lines 80–85. Accessed 2026-09-28.
  3. Surety Bond Details — Home Improvement Surety Bond. District of Columbia Department of Licensing and Consumer Protection; Home Improvement Surety Bond: $25,000 for the two-year license period. Accessed 2026-09-28.
  4. D.C. Code §31–2502.40: License to procure policies from unauthorized companies. Council of the District of Columbia; Subsection (a): broker/agent tax and diligent effort; (c)(1)–(3): District-government procurement tax exemption, allocation statement and continuing duties. Accessed 2026-09-28.
  5. Department of Insurance, Securities and Banking. District of Columbia DISB; Official insurance regulator homepage. Accessed 2026-09-28.
  6. Verify a Financial Institution or Representative Licensed with DISB. District of Columbia DISB; Official license verification for companies and representatives. Accessed 2026-09-28.
  7. Surplus Line Information. District of Columbia DISB; Current 2% tax base including incidental placement fees; fees must be necessary and separately itemized; diligent-effort rule. Accessed 2026-09-28.
  8. File a Complaint or Report Fraud. District of Columbia DISB; Official insurance complaint information and filing form. Accessed 2026-09-28.
  9. 15 U.S.C. §8201: Reporting, payment, and allocation of premium taxes. U.S. House of Representatives, Office of the Law Revision Counsel; §8201(a): exclusive insured home-State authority to require nonadmitted premium tax; (c): separate allocation reporting. Accessed 2026-09-28.
  10. 15 U.S.C. § 8205: Streamlined application for commercial purchasers. U.S. House of Representatives, Office of the Law Revision Counsel; §8205(1)-(2): admitted-market disclosure about possible availability, greater protection and oversight followed by the qualified purchaser’s written request; eligibility separately defined in §8206(5). Accessed 2026-09-28.
  11. 15 U.S.C. §8206: Definitions. U.S. House of Representatives, Office of the Law Revision Counsel; §8206(5) exempt-commercial-purchaser criteria; (6) home State and affiliated-insured rules; (13) qualified risk manager. Accessed 2026-09-28.
  12. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  13. 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.
  14. 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.
  15. 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.
  16. 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.
  17. 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.
  18. 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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