North Dakota Umbrella and Excess Liability Guide

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.

North Dakota Requirements

What to Watch for in North Dakota

• The dollar schedule is for proof after a trigger, not a blank pre-accident mandate

  Section 39-16.1-01 applies the chapter’s proof requirement, subject to exemptions, to a person convicted of or who forfeited bail for certain motor-vehicle offenses, or who failed to pay a judgment on a vehicle claim. Section 39-16.1-02, which used to define proof, was repealed in 2013. Do not treat a repealed definition as the current compulsory limit. Ask whether this insured has been ordered to file proof for the future, and whether the underlying policy is the certified policy described in section 39-16.1-11. ¹

• A judgment is treated as satisfied at the same three amounts, for this chapter only

  Section 39-16.1-05 says that, for the purpose of this chapter only, a judgment is deemed satisfied when $25,000 has been credited for bodily injury or death of one person, $50,000 for two or more persons subject to the $25,000 one-person limit, or $25,000 for property. Settlement payments are credited against those amounts. Paying the chapter’s satisfaction figure does not cap the civil judgment itself. An umbrella can still sit above a loss the chapter treats as satisfied for licensing purposes. ¹

• Fault as great as everyone else’s combined fault ends the recovery

  Section 32-03.2-02 bars recovery for death or injury to person or property when the claimant’s fault was as great as the combined fault of all other persons who contributed. Short of that bar, damages are diminished in proportion to the claimant’s fault. If two or more parties contributed, each is liable only for that party’s percentage, unless they acted in concert, aided the act, or adopted it for their benefit, in which case they are jointly liable for their combined percentage. Fault under this section includes malpractice. ²

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 North Dakota. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

• Corgi

  Corgi Insurance Services, Inc.

  Insurance producer · checked 2026-09-28

  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. ¹¹

  Corgi lists commercial umbrella liability insurance.

• TechInsurance

  Specialty Program Group LLC

  Insurance producer · checked 2026-09-28

  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. ¹⁴

  TechInsurance arranges commercial umbrella insurance for small businesses.

• Vouch

  Vouch Specialty Insurance Services, LLC

  Insurance producer, Surplus-lines broker · checked 2026-09-28

  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. ¹⁵

  Vouch lists umbrella among core coverages for technology companies.

Who Regulates Insurance in North Dakota

North Dakota Insurance Department

The North Dakota Insurance Department regulates insurers and producers, provides licensing and company searches, and investigates insurance complaints to assess compliance with state law and policy terms. ^3,4,5

Website

Regulator website

License lookup

Search licensed producers

Complaints

File a complaint

Phone

701-328-2440

Surplus-lines tax and stamping office

Reported tax rate. 1.75% of gross premium, assessments and policy fees, less return premium, when North Dakota is home state ^6,7,8

When North Dakota is the insured’s home state, the 1.75% tax applies to the entire gross premium, assessments, membership and subscriber fees, and policy or service fees on multistate policies, less return premium. North Dakota permits independent procurement only under separate statutory conditions; the policyholder should confirm whether a licensed broker placement or independent procurement applies. Nonadmitted insurers generally do not participate in state guaranty funds.

Questions to Ask Before You Buy in North Dakota

1. Has this driver been required to file proof of financial responsibility for the future under chapter 39-16.1?
2. If a policy is certified under section 39-16.1-11, does it show $25,000, $50,000, and $25,000 exclusive of interest and costs?
3. Is the claimant’s fault as great as the combined fault of the other contributors under section 32-03.2-02, or did defendants act in concert?

Umbrella And Excess Liability in North Dakota: FAQ

Sources

1. N.D. Cent. Code ch. 39-16.1, Proof of financial responsibility for the future. North Dakota Legislative Branch; Sections 39-16.1-01, 39-16.1-05, and 39-16.1-11: who must file proof, judgment satisfaction, and the $25,000/$50,000/$25,000 certified policy. Accessed 2026-09-29.
2. N.D. Cent. Code § 32-03.2-02, Modified comparative fault. North Dakota Legislative Branch; Recovery is barred when the claimant’s fault is as great as the combined fault of all other contributors; otherwise damages are reduced and liability is several except for concerted action. Accessed 2026-09-29.
3. North Dakota Insurance Department. North Dakota Insurance Department; Official department homepage; identifies regulation of insurance and consumer/business assistance. Accessed 2026-09-28.
4. Print License / Search for an Agent. North Dakota Insurance Department; Official licensing page directs the public to current SBS public lookup for agent status, license number, lines and appointments; linked public lookup is up to date. Accessed 2026-09-28.
5. Complaints. North Dakota Insurance Department; Official complaint process; Department reviews compliance with insurance laws and policy coverage; directs online filings to state-specific SBS complaint form. Accessed 2026-09-28.
6. Surplus Lines. North Dakota Insurance Department; Current official page: ND home-state rate 1.75% on total premium including assessments and policy fees for multistate coverage; explains home-state allocation and nonadmitted insurer guaranty status. Accessed 2026-09-28.
7. N.D.C.C. Chapter 26.1-44, Surplus Lines Insurance. North Dakota Legislative Branch; §26.1-44-03.1 sets 1.75% tax base, home-state rule, fee inclusion, return premiums; §§26.1-44-08 and related provisions cover placements. Accessed 2026-09-28.
8. Surplus Lines. North Dakota Insurance Department; Official page states nonadmitted insurers generally do not participate in state-created insurance guaranty funds. 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.