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Maryland Umbrella and Excess Liability Guide

Maryland Transportation Article §17-103 requires security of at least $30,000 for bodily injury or death of one person, $60,000 for two or more persons, and $15,000 for property of others, plus interest and costs. Courts and Judicial Proceedings §11-108 is a different ceiling: for a personal-injury or wrongful-death cause arising on or after October 1, 1994, noneconomic damages may not exceed $500,000, and that limitation increases by $15,000 on each October 1 beginning in 1995, for causes arising in the following year. Economic damages are not in that definition of noneconomic damages. An excess policy responds to covered legal obligations above its scheduled underlying limits. It does not become unnecessary because a noneconomic award is capped, and the cap does not raise the auto-security floor. 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.

Maryland Requirements

RequirementDetails
Maryland auto security floorSection 17-103 requires security of at least $30,000 for bodily injury or death of one person, $60,000 for two or more persons, and $15,000 for damage to property of others, in addition to interest and costs. Those figures are the security amounts in that section. They are not a statutory umbrella limit. 1

What to Watch for in Maryland

  • Interest and costs are outside the three security amounts

    Section 17-103 states the bodily-injury and property figures “in addition to interest and costs.” When you schedule underlying auto liability for an umbrella, match the split limits the security must provide and ask whether the underlying policy’s limit is eroded by defense costs or is exclusive of them. The statute’s “in addition” language is about the security obligation, not a promise that every umbrella is defense-outside-limits. 1

  • Apply the noneconomic cap to the year the cause arises

    For a cause of action arising on or after October 1, 1994, §11-108(b) sets a $500,000 noneconomic limitation and then adds $15,000 on October 1 of each year beginning October 1, 1995. The increased amount applies to causes arising between that October 1 and the following September 30. Pain, suffering, inconvenience, physical impairment, disfigurement, and loss of consortium are inside the personal-injury definition. The section says noneconomic damages do not include punitive damages. Ask for the accrual date before anyone quotes a single dollar cap. 2

  • Two or more wrongful-death claimants share 150 percent of the limitation

    In a wrongful-death action with two or more claimants or beneficiaries, the noneconomic award may not exceed 150 percent of the limitation, regardless of how many people share it. In a personal-injury action the limitation applies to each direct victim and all persons who claim through that victim. A multi-claimant death case and a single injury case do not use the same multiple. The jury may not be told the limitation. 2

Who Regulates Insurance in Maryland

Maryland Insurance Administration

The Maryland Insurance Administration licenses producers and insurers, reviews rates and forms, and investigates complaints about insurance companies and producers. You can use its state lookup or complaint service to check a license or raise an insurance issue. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 3% of gross premiums less returned premiums when Maryland is the insured's home state; excludes risks of Maryland and its political subdivisions When Maryland is the insured's home state, the tax is 3% of gross premiums less returned premiums, except insurance of risks of the State or a political subdivision. For policies effective on or after July 21, 2011, Maryland taxes the entire premium and the broker must charge the tax in addition to premium. Maryland's property and casualty guaranty corporation excludes surplus-lines policies. 6,7

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 Maryland. 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. 10
  • 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. 13
  • 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. 14

Questions to Ask Before You Buy in Maryland

  1. What date did the cause of action arise, and which October-to-September band of §11-108 applies?
  2. Does the underlying auto policy meet the $30,000/$60,000 bodily-injury and $15,000 property security, separate from the umbrella limit?
  3. Are the pleaded damages economic, noneconomic, or punitive, given that §11-108 defines only the noneconomic category?

Umbrella And Excess Liability in Maryland: FAQ

Does Maryland’s noneconomic cap replace an umbrella? 2,1

No. Section 11-108 limits noneconomic damages by a base of $500,000 for causes arising on or after October 1, 1994, increased by $15,000 each October 1 beginning in 1995. It does not cap economic damages, and it does not set the auto-security amounts in Transportation Article §17-103. 2,1

What auto security must a Maryland policy provide? 1

Section 17-103 requires at least $30,000 for bodily injury or death of one person, $60,000 for two or more persons, and $15,000 for property of others, in addition to interest and costs. 1

Umbrella And Excess Liability in Other States

Other Coverage in Maryland

Sources

  1. Md. Transportation Code §17-103, Form and minimum benefits of security. Maryland General Assembly; §17-103(b)(1)–(2): $30,000/$60,000 bodily injury or death and $15,000 property, in addition to interest and costs. Accessed 2026-09-29.
  2. Md. Courts and Judicial Proceedings §11-108, Noneconomic damages. Maryland General Assembly; §11-108(b): $500,000 base for causes arising on or after October 1, 1994, $15,000 annual increase beginning October 1, 1995, and 150% wrongful-death measure; jury not informed. Accessed 2026-09-29.
  3. Maryland Insurance Administration. Maryland Insurance Administration; Homepage and consumer contact. Accessed 2026-09-28.
  4. Insurance License Lookup. Maryland Insurance Administration; State-designated producer/company search. Accessed 2026-09-28.
  5. File an Insurance Complaint. Maryland Insurance Administration; State complaint process and contact. Accessed 2026-09-28.
  6. Md. Code, Insurance §3-324. Maryland General Assembly; Insurance §3-324(a)-(b), (d)-(f): government-risk exclusion; 3% of gross premiums less returns; entire-premium home-state basis from July 21, 2011, with tax charged in addition. Accessed 2026-09-28.
  7. Maryland Insurance Article (2026). Maryland General Assembly; Insurance §9-303(5), (7): surplus-lines and unauthorized insurers excluded from property and casualty guaranty subtitle; 2026 Insurance Article PDF. Accessed 2026-09-28.
  8. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  9. 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.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. 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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