--- title: "Pennsylvania Umbrella and Excess Liability Guide" description: "Financial responsibility is $15,000, $30,000, and $5,000, and a lapse can suspend the registration for three months or cost a $500 civil penalty." canonical: "https://spot.insure/coverage/umbrella-excess/pennsylvania" page-type: "coverage-state-guide" updated-at: "2026-09-29" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/umbrella-excess/pennsylvania) # Pennsylvania Umbrella and Excess Liability Guide Title 75, section 1702, defines financial responsibility as the ability to respond in damages for liability from the maintenance or use of a motor vehicle: $15,000 because of injury to one person in any one accident, $30,000 because of injury to two or more persons, and $5,000 because of damage to property of others. The form has to be acceptable to the Department of Transportation. PennDOT’s February 2025 insurance fact sheet repeats those three amounts for a currently registered vehicle and describes what happens when coverage lapses. A lapse suspends the registration privilege for three months unless the lapse was under 31 days and the owner proves the vehicle was not operated. Once in a 12-month period, the owner may pay a $500 civil penalty under Vehicle Code section 1786(d)(1.1) instead of serving that suspension, plus a restoration fee and proof of current insurance. An umbrella does not supply this financial-responsibility form by itself.[^1][^2] **Coverage:** [Umbrella and excess liability](/coverage/umbrella-excess) · [Pennsylvania](/coverage/states/pennsylvania) ## 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](/coverage/umbrella-excess). ## Pennsylvania Requirements | Requirement | Details | | --- | --- | | Financial-responsibility amounts for a registered vehicle | Section 1702 sets $15,000 for injury to one person, $30,000 for injury to two or more persons, and $5,000 for property damage. PennDOT’s fact sheet uses the same three figures as the liability insurance a registered vehicle must carry. They are not an umbrella minimum. A 2025 House bill that would raise the property figure to $25,000 is not the compiled statute.[^1][^2] | ## What to Watch for in Pennsylvania ### Property damage in the definition is $5,000 Section 1702’s property amount is $5,000 because of damage to property of others in any one accident, not a five-figure property limit. An umbrella that requires $25,000 or $50,000 of underlying property damage will not attach over a policy written only to section 1702. Ask for the declarations, not the statutory floor, before you set the attachment point.[^1] ### A lapse suspends the registration unless a short unused gap is proved PennDOT says a lapse suspends the registration privilege for three months. The exception is a lapse of less than 31 days where the owner or registrant proves the vehicle was not operated. The plate, card, and driver’s license if applicable must be surrendered to serve the suspension. Restoration takes a fee and proof of insurance. The underlying policy the umbrella follows has to be the one that is actually in force, not a policy that lapsed and left the registration suspended.[^2] ### The $500 civil penalty is available once in twelve months Instead of serving the registration suspension, Vehicle Code section 1786(d)(1.1) allows a $500 civil penalty, plus the restoration fee under section 1960 and proof of current insurance. PennDOT says that option may be used no more than once in a 12-month period. Paying the penalty does not increase the $15,000, $30,000, and $5,000 liability amounts in section 1702.[^2] ## Who Regulates Insurance in Pennsylvania **Pennsylvania Insurance Department.** The Pennsylvania Insurance Department publishes state tools to check licensed producers, agencies, and insurers, and its Consumer Services Online portal accepts complaints about insurers, agents, brokers, and public adjusters. The department also oversees Pennsylvania insurance business and consumer services.[^3][^4][^5] - [Regulator website](https://www.pa.gov/agencies/insurance.html) - [License lookup](https://www.pa.gov/agencies/insurance/resources/search-tool-library) - [File a complaint](https://www.pa.gov/services/insurance/file-a-complaint-with-your-insurance-company-agent-broker-or-public-adjuster) ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3% of gross premium (2% for eligible surplus-lines risk retention groups) Pennsylvania charges 3% of gross surplus-lines premiums (2% for an eligible surplus-lines risk-retention group); the tax is in addition to premium, is borne by the insured, and is collected by the producer. For multistate risks, the 2025 Revenue instructions say all gross premiums are taxable when Pennsylvania is the home state, while Insurance Company Law §1621(d) says tax is levied only on premium reasonably ascribable to Pennsylvania risk; confirm allocation with your producer or the state. Surplus-lines coverage is excluded from the guaranty association, and qualifying large risks or exempt commercial purchasers may use distinct no-search routes, with the ECP route requiring disclosure and written request.[^6][^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 that the product is available in Pennsylvania; [check the regulator’s license lookup](https://www.pa.gov/agencies/insurance/resources/search-tool-library) and confirm state availability for your business when requesting a quote. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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.[^12] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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.[^15] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** 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.[^16] ## Questions to Ask Before You Buy in Pennsylvania 1. Does the underlying auto policy meet or exceed $15,000, $30,000, and $5,000, and is the property limit high enough for the umbrella’s attachment point? 2. Has coverage lapsed, and if so was the gap under 31 days with the vehicle not operated? 3. Has the $500 civil-penalty option already been used in the last 12 months? ## Umbrella And Excess Liability in Pennsylvania: FAQ ### What does Pennsylvania call financial responsibility? Section 1702 defines it as $15,000 for injury to one person, $30,000 for injury to two or more persons, and $5,000 for property damage, in a form acceptable to the Department of Transportation. PennDOT’s fact sheet lists the same three amounts.[^1][^2] ### What happens if Pennsylvania liability insurance lapses? PennDOT says the registration privilege is suspended for three months, unless the lapse was less than 31 days and the owner proves the vehicle was not operated. Once in a 12-month period the owner may pay a $500 civil penalty under section 1786(d)(1.1) instead of serving the suspension, along with a restoration fee and proof of insurance.[^2] ## Umbrella And Excess Liability in Other States - [Alabama](/coverage/umbrella-excess/alabama) - [Alaska](/coverage/umbrella-excess/alaska) - [Arizona](/coverage/umbrella-excess/arizona) - [Arkansas](/coverage/umbrella-excess/arkansas) - [California](/coverage/umbrella-excess/california) - [Colorado](/coverage/umbrella-excess/colorado) - [Connecticut](/coverage/umbrella-excess/connecticut) - [Delaware](/coverage/umbrella-excess/delaware) - [District of Columbia](/coverage/umbrella-excess/district-of-columbia) - [Florida](/coverage/umbrella-excess/florida) - [Georgia](/coverage/umbrella-excess/georgia) - [Hawaii](/coverage/umbrella-excess/hawaii) - [Idaho](/coverage/umbrella-excess/idaho) - [Illinois](/coverage/umbrella-excess/illinois) - [Indiana](/coverage/umbrella-excess/indiana) - [Iowa](/coverage/umbrella-excess/iowa) - [Kansas](/coverage/umbrella-excess/kansas) - [Kentucky](/coverage/umbrella-excess/kentucky) - [Louisiana](/coverage/umbrella-excess/louisiana) - [Maine](/coverage/umbrella-excess/maine) - [Maryland](/coverage/umbrella-excess/maryland) - [Massachusetts](/coverage/umbrella-excess/massachusetts) - [Michigan](/coverage/umbrella-excess/michigan) - [Minnesota](/coverage/umbrella-excess/minnesota) - [Mississippi](/coverage/umbrella-excess/mississippi) - [Missouri](/coverage/umbrella-excess/missouri) - [Montana](/coverage/umbrella-excess/montana) - [Nebraska](/coverage/umbrella-excess/nebraska) - [Nevada](/coverage/umbrella-excess/nevada) - [New Hampshire](/coverage/umbrella-excess/new-hampshire) - [New Jersey](/coverage/umbrella-excess/new-jersey) - [New Mexico](/coverage/umbrella-excess/new-mexico) - [New York](/coverage/umbrella-excess/new-york) - [North Carolina](/coverage/umbrella-excess/north-carolina) - [Ohio](/coverage/umbrella-excess/ohio) - [Oklahoma](/coverage/umbrella-excess/oklahoma) - [Oregon](/coverage/umbrella-excess/oregon) - [Rhode Island](/coverage/umbrella-excess/rhode-island) - [South Carolina](/coverage/umbrella-excess/south-carolina) - [South Dakota](/coverage/umbrella-excess/south-dakota) - [Texas](/coverage/umbrella-excess/texas) - [Vermont](/coverage/umbrella-excess/vermont) - [Virginia](/coverage/umbrella-excess/virginia) - [Washington](/coverage/umbrella-excess/washington) - [West Virginia](/coverage/umbrella-excess/west-virginia) - [Wisconsin](/coverage/umbrella-excess/wisconsin) [Other Coverage in Pennsylvania](/coverage/states/pennsylvania) ## Sources [^1]: [75 Pa.C.S. § 1702, Definitions](https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/75/00.017.002.000..HTM) — Pennsylvania General Assembly; Financial responsibility: $15,000, $30,000, and $5,000, in a form acceptable to the Department of Transportation. Accessed 2026-09-29. [^2]: [Insurance Law fact sheet, February 2025](https://www.pa.gov/content/dam/copapwp-pagov/en/penndot/documents/public/dvspubsforms/bmv/bmv-fact-sheets/fs-inla.pdf) — Pennsylvania Department of Transportation; Same three limits, three-month registration suspension, and the one-time $500 civil penalty under section 1786(d)(1.1). Accessed 2026-09-29. [^3]: [pennsylvania insurance regulator](https://www.pa.gov/agencies/insurance.html) — State insurance regulator; PID official agency page and the search/consumer-help service map.. Accessed 2026-09-28. [^4]: [Pennsylvania Insurance Industry Search Tool Library](https://www.pa.gov/agencies/insurance/resources/search-tool-library) — State insurance regulator; PID identifies consumer Sircon and detailed individual, business-entity, and company search tools.. Accessed 2026-09-28. [^5]: [File a Complaint with Your Insurance Company, Agent, Broker, or Public Adjuster](https://www.pa.gov/services/insurance/file-a-complaint-with-your-insurance-company-agent-broker-or-public-adjuster) — State insurance regulator; PID directs insurance complaints and questions to its Consumer Services Online portal.. Accessed 2026-09-28. [^6]: [RCT-123 Gross Premiums Tax - Surplus Lines Agents (2025)](https://www.pa.gov/content/dam/copapwp-pagov/en/revenue/documents/formsandpublications/formsforbusinesses/corporationtax/documents/2025/2025_rct-123.pdf) — Pennsylvania Department of Revenue; Instructions p. 4, imposition/base/rate: 3% on gross premiums; insured bears tax, producer collects/remits; RRG exception 2% per statute.. Accessed 2026-09-28. [^7]: [Insurance Company Law, §1621](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2010/0/0014..HTM) — Pennsylvania General Assembly; Subsection (d): multi-state tax is levied only on premium reasonably ascribable to Pennsylvania risk. This differs from the 2025 RCT-123 instructions, which state all gross premiums taxable if PA is home state; see source tax.. Accessed 2026-09-28. [^8]: [Insurance Department Act, surplus-lines notice provision](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1992/0/0178..HTM) — Pennsylvania General Assembly; Policy legend: insurer is not licensed and surplus-lines insurance is NOT covered by Pennsylvania Insurance Guaranty Association.. Accessed 2026-09-28. [^9]: [Pennsylvania Insurance Company Law §§1604 and 1610 (40 P.S. §§991.1604, 991.1610)](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2011/0/0028..HTM) — Pennsylvania General Assembly; Act 28 of 2011 §1610(a), (a.1): large-risk criteria and ECP disclosure followed by written request exempt from diligent-search requirements.. Accessed 2026-09-28. [^10]: [Licenses](https://www.at-bay.com/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](https://www.coalitioninc.com/legal/licenses) — 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](https://www.corgi.insure/broker-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](https://www.hiscox.com/about-hiscox-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](https://www.nextinsurance.com/insurance-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]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — 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. [^16]: [Licenses](https://www.vouch.us/legal/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 2026-09-29. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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