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Missouri Umbrella and Excess Liability Guide

Section 303.190 requires a Missouri motor vehicle liability policy to provide, exclusive of interest and costs, $25,000 because of bodily injury or death of one person, $50,000 because of bodily injury or death of two or more persons, and $25,000 because of injury to or destruction of property. Section 510.265 separately caps punitive damages against a defendant at the greater of $500,000 or five times the net amount of the judgment awarded to the plaintiff against that defendant. The cap does not apply if the state is the plaintiff seeking punitive damages, or if the defendant pleads guilty to or is convicted of a felony arising out of the acts the plaintiff pleads. It also does not apply to specified housing-discrimination claims. Schedule the umbrella above the auto policy’s $25,000/$50,000/$25,000 floor, and ask whether any punitive count falls inside an exception. 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.

Missouri Requirements

RequirementDetails
Motor vehicle liability policy amountsSection 303.190 sets the policy contents at $25,000 for bodily injury or death of one person, $50,000 for two or more persons, and $25,000 for property, exclusive of interest and costs. The revisor marks the section effective July 1, 2019. These are auto-policy amounts, not a required umbrella limit. 1

What to Watch for in Missouri

  • The punitive cap is the greater of $500,000 or five times the net judgment

    Section 510.265 measures five times the net amount of the judgment awarded to the plaintiff against that defendant, and it compares that product with $500,000. A small compensatory judgment can still produce a $500,000 punitive ceiling. A large net judgment can produce a ceiling well above $500,000. Ask the broker whether the excess form follows punitive damages or excludes them, because the statute caps the award and does not decide what the policy covers. 2

  • A felony conviction or a state plaintiff removes the cap

    The limitation does not apply if Missouri is the plaintiff requesting punitive damages, or if the defendant pleads guilty to or is convicted of a felony arising out of the acts or omissions the plaintiff pleads. Specified housing claims under section 213.111 are also outside sections 510.265, 510.261, and 510.263. If the complaint is paired with a felony charge, do not underwrite the loss as if $500,000 were the maximum punitive verdict. 2

  • The auto floor is a split limit, exclusive of interest and costs

    Section 303.190 states the three amounts exclusive of interest and costs. An umbrella that requires a $1 million combined single limit on the auto policy is asking for more than the statute. An umbrella that schedules only $25,000 per person may meet the statute and still fail the excess form’s own underlying-limit warranty. Compare the declarations with both numbers. 1

Who Regulates Insurance in Missouri

Missouri Department of Commerce and Insurance

Missouri DCI licenses insurance producers and insurers, reviews property and casualty rates and forms, and investigates complaints against insurance companies and producers. 3,4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 5% of premium; Missouri taxes the entire gross premium when Missouri is the home state When Missouri is the insured’s home state, the state applies its 5% surplus-lines tax to the entire gross premium of a multistate policy; the regulator’s FAQ says the tax includes applicable fees. Eligible nonadmitted insurers do not participate in the Missouri Guaranty Fund, and Missouri generally requires the full amount or kind of coverage to be unavailable from admitted insurers before placement; an exempt commercial purchaser search exception has separate disclosure and written-request conditions. 7,8,9,10

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 Missouri. 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. 13
  • 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 Missouri

  1. Do the auto declarations meet section 303.190’s $25,000/$50,000/$25,000 split, exclusive of interest and costs?
  2. Is Missouri the punitive plaintiff, or is there a felony plea or conviction arising out of the pleaded acts?
  3. Does the excess form cover punitive damages that remain after the section 510.265 cap?

Umbrella And Excess Liability in Missouri: FAQ

What is Missouri’s punitive-damages cap? 2

Section 510.265 says no award of punitive damages against any defendant shall exceed the greater of $500,000 or five times the net judgment awarded to the plaintiff against that defendant, unless an exception in the section applies. 2

What liability amounts must a Missouri motor-vehicle policy contain? 1

Section 303.190 requires $25,000 for bodily injury or death of one person, $50,000 for two or more persons, and $25,000 for property damage, exclusive of interest and costs. 1

Umbrella And Excess Liability in Other States

Other Coverage in Missouri

Sources

  1. Mo. Rev. Stat. § 303.190, Motor vehicle liability policy. Missouri Revisor of Statutes; Effective July 1, 2019: $25,000/$50,000 bodily injury or death and $25,000 property, exclusive of interest and costs. Accessed 2026-09-29.
  2. Mo. Rev. Stat. § 510.265, Limitations on punitive damages. Missouri Revisor of Statutes; Effective August 28, 2020: greater of $500,000 or five times the net judgment, with state-plaintiff, felony, and specified housing exceptions. Accessed 2026-09-29.
  3. Missouri Department of Commerce and Insurance. Missouri Department of Commerce and Insurance; Official insurance regulator homepage. Accessed 2026-09-28.
  4. Find an Insurance Agent/Agency. Missouri Department of Commerce and Insurance; Official DCI search page says its License & Contact Info search covers licensed agents and agencies; it links to company search. Accessed 2026-09-28.
  5. Insurance Complaints. Missouri Department of Commerce and Insurance; Complaint filing page; says Consumer Affairs investigates complaints against insurers and producers; consumer hotline 800-726-7390. Accessed 2026-09-28.
  6. Insurance Company Rate, Rule and Policy Form Filings. Missouri Department of Commerce and Insurance; Official DCI rate, rule and form filing page; identifies state oversight of insurer product filings. Accessed 2026-09-28.
  7. Surplus Lines FAQs. Missouri Department of Commerce and Insurance; FAQ states 5% of Missouri net premium including applicable fees and eligible surplus-lines companies do not participate in the Guaranty Fund. Accessed 2026-09-28.
  8. RSMo §384.061. Missouri Revisor of Statutes; Subsections 1–2: entire gross premium is taxed when Missouri is home state; Chapter 384 placement regulation applies only when Missouri is home state. Accessed 2026-09-28.
  9. RSMo §384.021. Missouri Revisor of Statutes; Admitted-market availability rule and exempt commercial purchaser due-diligence exception; exception conditions appear in subsection 2. Accessed 2026-09-28.
  10. Surplus Lines FAQs. Missouri Department of Commerce and Insurance; FAQ says eligible surplus-lines insurers do not participate in the Guaranty Fund. 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. The Pie Insurance Company — Company Details. Missouri Department of Commerce and Insurance; Company name: THE PIE INSURANCE COMPANY; status Active; NAIC 21857; license B424258; Property and Casualty; date admitted 1999-07-07. The page has no expiry/renewal field. Accessed 2026-09-28. 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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