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Michigan Umbrella and Excess Liability Guide

For a policy delivered in Michigan on a vehicle registered or principally garaged here, MCL 500.3009 sets residual liability, after July 1, 2020, at not less than $250,000 for bodily injury or death of one person, $500,000 for two or more persons, and $10,000 for property damage. The named insured may choose lower bodily-injury limits, but not lower than $50,000 and $100,000, only by completing the director’s form. MCL 600.6304 makes liability in a covered multi-person injury case several only, so a person is not required to pay more than that person’s percentage of fault, except a defendant that is jointly and severally liable under section 6312. The umbrella has to schedule the limit that was actually selected, not a generic national 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.

Michigan Requirements

RequirementDetails
Default bodily-injury limits after July 1, 2020MCL 500.3009(1) requires not less than $250,000 because of bodily injury or death of one person in one accident and, subject to that limit, $500,000 because of bodily injury or death of two or more persons. Property damage is not less than $10,000. These are automobile liability policy limits, not an umbrella minimum. 1
Lowest bodily-injury optionAfter July 1, 2020, MCL 500.3009(5) allows the applicant or named insured to choose limits lower than subsection (1)(a) and (b), but not lower than $50,000 and $100,000. The person must complete a form issued by the director. A missing form does not create the lower limit. 1

What to Watch for in Michigan

  • The lower limit exists only if the director’s form was completed

    Subsection (5) ties the $50,000/$100,000 option to a completed form that meets subsection (7), provided as required by section 3107e. On renewal, subsection (6) requires the insurer to provide the available options, a price for each option, and the form. Before an umbrella underwriter accepts $50,000 as the scheduled underlying limit, get the form and the declarations. The default in subsection (1) remains $250,000/$500,000 if that choice was not made. 1

  • A named excluded driver voids liability coverage while that person drives

    Subsection (2) allows an exclusion of a named person only with a prescribed warning on the policy face, declaration, or certificate, and on the certificate of insurance: when that person operates the vehicle, all liability coverage is void and no one is insured. Owners remain personally liable. An umbrella that follows the auto policy does not restore liability the auto policy has voided for that driver. Ask who is listed as a named excluded driver. 1

  • Several liability changes how much of a verdict the excess layer can be asked to pay

    Section 6304(4) says liability is several only and not joint, and a person shall not be required to pay damages greater than that person’s percentage of fault. It does not apply to a defendant jointly and severally liable under section 6312. Price the excess layer against the insured’s own percentage unless that exception applies, and still compare the percentage share with the scheduled underlying limit, because the excess form attaches above the schedule rather than above the verdict. 2

Who Regulates Insurance in Michigan

Michigan Department of Insurance and Financial Services

The Michigan Department of Insurance and Financial Services licenses agents, agencies and companies, supervises insurance business, and helps resolve complaints. 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: 2.5% combined surplus-lines tax and regulatory fee on premium when Michigan is the insured's home state Michigan's Property and Casualty Guaranty Association is funded by insurers authorized to transact in the state; an insurer procured solely under Chapter 19 is expressly not considered authorized for that chapter. The surplus-lines policy must carry a notice that the insurer is not Michigan-licensed and insolvency claim payment may not be guaranteed. 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 Michigan. 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 Michigan

  1. Was the director’s form completed to select bodily-injury limits below $250,000/$500,000, and what limits do the declarations show?
  2. Is any driver a named excluded person under section 3009(2)?
  3. Does section 6312 apply, or is collection limited to our percentage under section 6304(4)?

Umbrella And Excess Liability in Michigan: FAQ

What auto liability limits does Michigan require if the insured does not choose a lower option? 1

After July 1, 2020, MCL 500.3009(1) requires not less than $250,000 for one person’s bodily injury or death, $500,000 for two or more persons, and $10,000 for property damage, unless a lower bodily-injury option is selected on the director’s form. 1

How low can Michigan bodily-injury limits go? 1

Section 3009(5) allows a choice below the default, but not lower than $50,000 for one person and $100,000 for two or more persons, and only if the person completes the director’s form. 1

Umbrella And Excess Liability in Other States

Other Coverage in Michigan

Sources

  1. MCL 500.3009, Automobile liability policy limits. Michigan Legislature; Subsections (1), (2), (5), and (6): default limits after July 1, 2020, named-driver exclusion, and the optional floor; MCL complete through PA 103 of 2026. Accessed 2026-09-29.
  2. MCL 600.6304, Several liability. Michigan Legislature; Subsection (4): several liability limited to the percentage of fault, except a defendant jointly and severally liable under section 6312. Accessed 2026-09-29.
  3. Department of Insurance and Financial Services. Department of Insurance and Financial Services; Official regulator and insurance oversight. Accessed 2026-09-28.
  4. Insurance License Lookup. Department of Insurance and Financial Services; State-designated producer/company search. Accessed 2026-09-28.
  5. File an Insurance Complaint. Department of Insurance and Financial Services; State complaint process and contact. Accessed 2026-09-28.
  6. Surplus Lines Licensee: Filing the Surplus Lines Taxes. Michigan Department of Insurance and Financial Services; DIFS current filing page: Michigan-home-state placements taxed at 2.5% combined tax and regulatory fee; separate fees charged to insured are not included in premium tax base. Accessed 2026-09-28.
  7. Michigan Insurance Code, Chapter 500. Michigan Legislature; MCL 500.7911(1)-(2), 500.7921(b): association membership tied to insurer authorized to transact; insurer procured solely under Chapter 19 is expressly not authorized for guaranty chapter. Accessed 2026-09-28.
  8. Michigan Insurance Code, Chapter 500. Michigan Legislature; MCL 500.1922 requires policy notice that insurer is not Michigan-licensed and insolvency claim payment may not be guaranteed. 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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