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New Jersey Umbrella and Excess Liability Guide

P.L. 2022, c. 87 amended N.J.S.A. 39:6B-1 so that every owner of a motor vehicle registered or principally garaged in New Jersey maintains liability insurance for bodily injury, death, and property damage. For a plan issued or renewed on or after January 1, 2026, the floor is $35,000 for injury to or death of one person in one accident, $70,000 for injury to or death of more than one person, and $25,000 for property damage. The same act left a lower schedule in place for plans issued or renewed on or after January 1, 2023 but before January 1, 2026: $25,000, $50,000, and $25,000. Department of Banking and Insurance Bulletin 25-06 tells admitted and surplus lines insurers that the January 1, 2026 phase applies to new and renewal policies and that property damage stays at $25,000. An umbrella sits above whatever underlying policy is actually in force, which depends on the issue or renewal date. 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.

New Jersey Requirements

RequirementDetails
Standard policy issued or renewed on or after January 1, 2026N.J.S.A. 39:6B-1, as amended by P.L. 2022, c. 87, sets $35,000 for one person, $70,000 for more than one person, and $25,000 for property damage, each exclusive of interest and costs. Those figures are the standard motor-vehicle liability floor, not an umbrella minimum. A basic policy under N.J.S.A. 39:6A-3.1 and a special policy under N.J.S.A. 39:6A-3.3 can satisfy the statute instead, and Bulletin 25-06 says the act does not apply to the basic policy. 1,2

What to Watch for in New Jersey

  • The underlying limit depends on the issue or renewal date

    A policy issued or renewed on or after January 1, 2023 and before January 1, 2026 was written to the $25,000 and $50,000 bodily-injury schedule, with $25,000 property damage. The $35,000 and $70,000 bodily-injury schedule attaches when that policy is issued or renewed on or after January 1, 2026. Read the declarations date before you assume the umbrella’s underlying requirement matches the 2026 floor. 1

  • A basic or special automobile policy is a different floor

    Subsection b of the amended 39:6B-1 lets an owner of an automobile registered or primarily garaged in the state satisfy the section with a basic automobile insurance policy under N.J.S.A. 39:6A-3.1. Subsection c allows a special automobile insurance policy under N.J.S.A. 39:6A-3.3. Bulletin 25-06 states that the act does not apply to the basic policy. Do not schedule an umbrella as if every New Jersey auto policy now carries $35,000. 1,2

  • The insurer raises the limit and tells the named insured

    On renewal of a policy whose original limits would no longer meet the section, the insurer shall notify the named insured that the limits have been increased and shall specify which limit increased. The act says the insurer is not required to receive a signed coverage selection form under N.J.A.C. 11:3-15.7 to make that increase. Bulletin 25-06 repeats the notice duty and the same form point, and it tells insurers to have approved rates on file for the new minimums. 1,2

Who Regulates Insurance in New Jersey

New Jersey Department of Banking and Insurance

New Jersey DOBI licenses insurers and producers, reviews insurance products and rates, monitors insurer solvency and responds to insurance complaints. The Property and Casualty unit regulates commercial and personal property and casualty rates, rules and forms. 3,4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 5% of gross premium, less return premium New Jersey’s Department of Banking and Insurance states a 5% surplus-lines tax for policies effective on or after July 1, 2009; its FAQ also describes direct-procurement tax filing for premium allocated to New Jersey. A New Jersey surplus-lines producer generally must make a diligent effort to place the risk with authorized insurers, subject to the exportable-list and other statutory exceptions. New Jersey’s separate surplus-lines guaranty fund has narrow coverage; ordinary commercial surplus-lines claims are generally outside guaranty protection. 7,8,9

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 New Jersey. 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. 12
  • RisklyticsRisklytics, Inc.Insurance producer · checked 2026-09-28Risklytics’ licensing page lists its Massachusetts resident agency license plus state license records in Arizona, Colorado, Illinois, Indiana, New Jersey, Ohio, Texas and Washington; it identifies the NPN record date as September 10, 2026. This list is company-published and not a product availability map. 15
  • 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. 16
  • 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. 17

Questions to Ask Before You Buy in New Jersey

  1. Was the underlying auto policy issued or renewed on or after January 1, 2026, or is it still on the prior $25,000/$50,000 schedule?
  2. Is the underlying policy a basic policy under 39:6A-3.1 or a special policy under 39:6A-3.3?
  3. Did the renewal notice identify which limit increased, and does the umbrella’s schedule of underlying insurance match that limit?

Umbrella And Excess Liability in New Jersey: FAQ

What liability limits does a standard New Jersey auto policy need in 2026? 1

For a plan issued or renewed on or after January 1, 2026, P.L. 2022, c. 87 requires at least $35,000 for injury to or death of one person, $70,000 for more than one person, and $25,000 for property damage, exclusive of interest and costs. Property damage was already $25,000 for plans issued or renewed on or after January 1, 2023. 1

Does the 2026 increase apply to every New Jersey auto policy? 1,2

No. The owner may satisfy 39:6B-1 with a basic policy under 39:6A-3.1 or a special policy under 39:6A-3.3. Bulletin 25-06 says the act does not apply to the basic automobile insurance policy. 1,2

Umbrella And Excess Liability in Other States

Other Coverage in New Jersey

Sources

  1. P.L. 2022, c. 87, amending N.J.S.A. 39:6B-1. New Jersey Legislature; Phased limits: $35,000/$70,000/$25,000 for policies issued or renewed on or after January 1, 2026; basic and special policy alternatives. Accessed 2026-09-29.
  2. Bulletin No. 25-06, Auto insurance coverage limits pursuant to P.L. 2022, c. 87. New Jersey Department of Banking and Insurance; January 1, 2026 phase raises per-person and per-accident liability to $35,000 and $70,000; property damage remains $25,000; basic policy excluded. Accessed 2026-09-29.
  3. New Jersey Department of Banking and Insurance. New Jersey Department of Banking and Insurance; Official regulator homepage. Accessed 2026-09-28.
  4. Division of Insurance. New Jersey Department of Banking and Insurance; States that Division issues insurer/producer licenses, reviews products and rates, monitors solvency and responds to consumer concerns. Accessed 2026-09-28.
  5. Insurance Licensing and Education. New Jersey Department of Banking and Insurance; Official producer licensing page links to NJDOBI Licensee Search and SBS Licensee Search. Accessed 2026-09-28.
  6. Consumer Information. New Jersey Department of Banking and Insurance; Official consumer assistance/complaints destination; DOBI hotline 800-446-7467. Accessed 2026-09-28.
  7. Surplus Lines FAQs. New Jersey Department of Banking and Insurance; Current DOBI FAQ states 5% on policies effective on/after July 1, 2009 and identifies direct-procurement filing when NJ receives an out-of-state surplus-lines premium allocation. Accessed 2026-09-28.
  8. N.J.A.C. 11:1-33.3, Surplus Lines Procurement Requirements. New Jersey Department of Banking and Insurance; Rule requires diligent effort to place with authorized insurer except coverages on Exportable List. Accessed 2026-09-28.
  9. Surplus Lines Tax Q&A. New Jersey Department of Banking and Insurance; DOBI FAQ states Surplus Lines Guaranty Fund covers medical malpractice liability and property covering owner-occupied dwellings under four units; this is narrow and not ordinary business coverage. Accessed 2026-09-28.
  10. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  11. 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.
  12. 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.
  13. 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.
  14. 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.
  15. About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
  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.

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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