Minnesota Umbrella and Excess Liability Guide

Every Minnesota plan of reparation security must include residual liability of not less than $30,000 for bodily injury to one person, $60,000 for two or more persons, and $10,000 for property damage, under Minnesota Statutes section 65B.49, subdivision 3. Section 604.02 then decides how much of a later award one defendant can be made to pay: a person whose fault is greater than 50 percent is jointly and severally liable for the whole award, along with persons in a common scheme, a person who commits an intentional tort, and specified environmental liabilities. Other persons contribute only by percentage, with a one-year reallocation motion if a share is uncollectible. Schedule the umbrella above the residual limit you actually carry, and ask whether any defendant’s fault crosses 50 percent.

What Is Umbrella and Excess Liability Insurance?

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.

Minnesota Umbrella and Excess Liability Insurance Requirements

Requirement	Details
Residual liability inside a reparation plan	Section 65B.49, subdivision 3, requires stated limits of not less than $30,000 for bodily injury to one person in one accident, $60,000 for injury to two or more persons, and $10,000 for injury to or destruction of property. The subdivision also says the reparation obligor’s liability for this residual coverage becomes absolute when injury or damage occurs. These are auto reparation limits, not an umbrella minimum. ¹

Requirement

Details

Residual liability inside a reparation plan

Section 65B.49, subdivision 3, requires stated limits of not less than $30,000 for bodily injury to one person in one accident, $60,000 for injury to two or more persons, and $10,000 for injury to or destruction of property. The subdivision also says the reparation obligor’s liability for this residual coverage becomes absolute when injury or damage occurs. These are auto reparation limits, not an umbrella minimum. ¹

What to Watch for With Umbrella and Excess Liability in Minnesota

After the crash, the residual insurer’s liability becomes absolute
Subdivision 3 says the reparation obligor’s liability for the required residual coverage becomes absolute whenever injury or damage occurs, and it may not be canceled by an agreement after the occurrence. No statement by the insured and no violation of the policy defeats that residual coverage. That sentence is about the auto reparation plan. It does not rewrite an umbrella’s own conditions. Ask the broker which form is residual liability and which form is excess. ¹
Residual liability is excess of a nonowned-vehicle policy
Subdivision 3(3)(d) says that, except as provided in subdivision 5a, a residual liability policy is excess of a nonowned vehicle policy whether the nonowned vehicle is borrowed or rented. A nonowned vehicle is one not used or provided on a regular basis. If employees rent cars, the rental policy and the company’s residual policy can stack in an order the statute already sets. Put the umbrella schedule next to that order instead of assuming the company auto policy is always primary. ¹
Fault greater than 50 percent pulls in the whole award
Section 604.02 makes a person whose fault is greater than 50 percent jointly and severally liable for the whole award. The same treatment applies to a common scheme or plan, an intentional tort, and the environmental liabilities the section lists. On a motion made not later than one year after judgment, the court reallocates an uncollectible share among the other parties, including a claimant at fault. An excess limit sized only for a small percentage can still be reached if fault is found above 50 percent or a share is later reallocated. ²

Providers With Minnesota License Records

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

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’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. ¹³
Corgi lists commercial umbrella liability insurance.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
TechInsurance’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. ¹⁶
TechInsurance arranges commercial umbrella insurance for small businesses.
Vouch
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch Specialty Insurance Services, LLC
Vouch’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. ¹⁷
Vouch lists umbrella among core coverages for technology companies.

Who Regulates Insurance in Minnesota?

Minnesota Department of Commerce

The Minnesota Department of Commerce regulates insurance companies and producers, reviews rates and forms, and investigates complaints. You can use its state lookup or complaint service to check a license or raise an insurance issue. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 651-539-1600

Surplus-Lines Tax and Stamping Office in Minnesota

Reported tax rate. 3% of taxable gross premiums less return premiums, plus a 0.04% stamping fee on taxable premium when Minnesota is the insured's home state ^6,^9,^7,^8,¹⁰

When Minnesota is the insured's home state, 3% tax applies to taxable gross premiums less return premiums; the separate 0.04% stamping fee on taxable premium is paid by you to the broker. Minnesota requires a policy warning that insolvency loss payment by a nonadmitted insurer is not guaranteed. A diligent search generally applies unless a Minnesota-licensed producer unaffiliated with the surplus-lines broker refers the risk, which the statute deems unavailable from a licensed insurer; an exempt commercial purchaser also has a separate written-request route after the required admitted-market disclosure.

Minnesota Surplus Lines Association

Questions to Ask Before You Buy Umbrella and Excess Liability in Minnesota

Do the auto declarations show residual liability of at least $30,000/$60,000/$10,000 for each covered vehicle?
Will hired or borrowed cars be nonowned vehicles, so that residual liability sits excess of the rental policy under section 65B.49?
Is any defendant’s fault greater than 50 percent, or is the claim in a common-scheme, intentional, or listed environmental category?

Umbrella and Excess Liability Insurance in Minnesota: FAQ

What residual auto liability must a Minnesota reparation plan include?

Section 65B.49, subdivision 3, requires not less than $30,000 for bodily injury to one person, $60,000 for two or more persons, and $10,000 for property damage, exclusive of interest and costs. ¹

When can one Minnesota defendant be liable for the whole award?

Under section 604.02, joint and several liability for the whole award applies to a person whose fault is greater than 50 percent, two or more persons who act in a common scheme or plan that results in injury, a person who commits an intentional tort, and the environmental liabilities listed in the section. ²

Sources for Umbrella and Excess Liability Insurance in Minnesota

1
Minn. Stat. § 65B.49, Insurer’s required coverage. Minnesota Office of the Revisor of Statutes; 2025 Minnesota Statutes § 65B.49, subd. 3: residual liability limits of $30,000/$60,000/$10,000 and nonowned-vehicle excess rule. Accessed 2026-09-29.
2
Minn. Stat. § 604.02, Apportionment of damages. Minnesota Office of the Revisor of Statutes; 2025 Minnesota Statutes § 604.02, subd. 1–2: joint-liability categories and reallocation within one year after judgment. Accessed 2026-09-29.
3
Insurance. Insurance; Insurance regulator and consumer resources. Accessed 2026-09-28.
4
Insurance License Lookup. Insurance; State-designated producer/company search. Accessed 2026-09-28.
5
File an Insurance Complaint. Insurance; Insurance complaint topic; filing portal, complaints line, email contact. Accessed 2026-09-28.
6
Minn. Stat. §297I.05. Minnesota Revisor of Statutes; 3% on gross premiums less return premiums when Minnesota is insured's home state; 100% taxable in Minnesota. Accessed 2026-09-28.
7
Instructions for 2026 Semiannual Stamping Fee Report. Minnesota Surplus Lines Association; 2026 report p.1, lines 82–94: stamping fee rate .0004 (0.04%) of policy premium for transactions effective on or after October 1, 2016; current report linked from the association's 2026 site. Accessed 2026-09-28.
8
Minn. Stat. §60A.207. Minnesota Revisor of Statutes; 2025 text, lines 250–255: policy notice states insurer is not otherwise licensed in Minnesota and insolvency loss payment is not guaranteed. Accessed 2026-09-28.
9
Minn. Stat. §297I.01. Minnesota Revisor of Statutes; Definition of gross premiums for nonadmitted insurance includes fees, assessments and other consideration, with stamping fee and operating assessment exclusions. Accessed 2026-09-28.
10
Minnesota Statutes 2025, §60A.201. Minnesota Revisor of Statutes; 2025 Minn. Stat. §60A.201 subd.1 (admitted-market restriction); subd.5 (ECP disclosure and subsequent written request); subd.6 (risk referred by unaffiliated Minnesota-licensed producer deemed unavailable). Amendments listed through 2025. Accessed 2026-09-28.
11
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
12
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.
13
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.
14
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.
15
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.
16
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.
17
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.

Minnesota Umbrella and Excess Liability Guide

What Is Umbrella and Excess Liability Insurance?

Minnesota Umbrella and Excess Liability Insurance Requirements

What to Watch for With Umbrella and Excess Liability in Minnesota

After the crash, the residual insurer’s liability becomes absolute

Residual liability is excess of a nonowned-vehicle policy

Fault greater than 50 percent pulls in the whole award

Providers With Minnesota License Records

Corgi

TechInsurance

Vouch