--- title: "Texas Umbrella and Excess Liability Guide" description: "Financial responsibility is $30,000, $60,000, and $25,000, with small deductibles allowed, and exemplary damages use a greater-of formula that can reach $750,000 of noneconomic damages." canonical: "https://spot.insure/coverage/umbrella-excess/texas" 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/texas) # Texas Umbrella and Excess Liability Guide Transportation Code section 601.072(a) is expired. Subsection (a-1), effective January 1, 2011, sets the minimum motor vehicle liability insurance that establishes financial responsibility under that chapter: $30,000 for bodily injury to or death of one person in one collision, $60,000 for two or more persons, subject to the one-person amount, and $25,000 for damage to or destruction of property of others. The policy may exclude the first $250 of bodily-injury liability for one person, the first $500 for two or more persons, and the first $250 of property damage. Civil Practice and Remedies Code section 41.008 then limits exemplary damages to the greater of two amounts: two times economic damages plus noneconomic damages not exceeding $750,000, or $200,000. The section does not apply to exemplary damages based on specified Penal Code felonies. An umbrella’s attachment point and any punitive coverage sit above those two statutes, not instead of them.[^1][^2] **Coverage:** [Umbrella and excess liability](/coverage/umbrella-excess) · [Texas](/coverage/states/texas) ## 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). ## Texas Requirements | Requirement | Details | | --- | --- | | Financial-responsibility amounts since January 1, 2011 | Section 601.072(a-1) requires $30,000, $60,000, and $25,000 to establish financial responsibility under chapter 601. Those amounts are not an umbrella minimum. Subsection (a) is expired. Subsection (b) allows the policy to exclude the first $250, $500, and $250 of liability in one collision.[^1] | ## What to Watch for in Texas ### The statute allows a small exclusion off the minimum, not a large deductible Section 601.072(b) says the required coverage may exclude, for one collision, the first $250 of bodily injury or death of one person, the first $500 for two or more persons subject to the one-person figure, and the first $250 of property damage. That is a permitted exclusion from the minimum, not permission to buy a $1,000 or $2,500 liability deductible and still claim the section is satisfied. Match the umbrella’s underlying-insurance schedule to the limits on the declarations after any exclusion the policy actually uses.[^1] ### Exemplary damages use the greater of two formulas Section 41.008(b) says exemplary damages may not exceed the greater of two times economic damages plus noneconomic damages found by the jury, with that noneconomic add-on not to exceed $750,000, or $200,000. Subsection (a) requires the trier of fact to find economic damages separately from other compensatory damages. Size any punitive discussion against that greater-of test. The $200,000 alternative matters when two times economic damages plus the allowed noneconomic amount is smaller than $200,000.[^2] ### Listed Penal Code felonies are outside the exemplary-damages cap Section 41.008(c) says the section does not apply when the plaintiff seeks exemplary damages based on conduct described as a felony in listed Penal Code sections, if, except for sections 49.07 and 49.08, the conduct was committed knowingly or intentionally. The list includes murder, capital murder, aggravated kidnapping, aggravated assault, sexual assault, injury to a child, elderly individual, or disabled individual with a health-care exception, specified fraud and theft felonies, intoxication assault, and intoxication manslaughter, and it continues past those items. Read the full list before treating $750,000 or $200,000 as the ceiling.[^2] ## Who Regulates Insurance in Texas **Texas Department of Insurance.** TDI licenses agents and insurers, reviews company rate filings, and investigates complaints against insurance companies and people it regulates. Its complaint page states limits on what it can resolve, including disputes outside its regulatory authority.[^3][^4][^5] - [Regulator website](https://www.tdi.texas.gov/) - [License lookup](https://www.tdi.texas.gov/agent/agent-lookup.html) - [File a complaint](https://www.tdi.texas.gov/consumer/complaint-home.html) ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 4.85% of gross premium plus 0.04% SLTX stamping fee When Texas is the insured’s home state, the state tax is 4.85% of gross premium; absent a compact allocation agreement, a multistate policy can be taxed on its entire premium. Policies effective on or after Jan. 1, 2024 also carry a 0.04% stamping fee; SLTX invoices the broker and says the insured pays it, and the surplus-lines insurer is not covered by the Texas guaranty association.[^6][^7][^8] [Surplus Lines Stamping Office of Texas](https://www.sltx.org/) ## 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 Texas; [check the regulator’s license lookup](https://www.tdi.texas.gov/agent/agent-lookup.html) 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.[^11] - [Risklytics](/insurance-providers/risklytics) — **Entity:** Risklytics, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Risklytics’ 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.[^14] - [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 Texas 1. Does the underlying auto policy meet section 601.072(a-1), and does it use the $250 and $500 exclusions in subsection (b)? 2. Are economic damages separated from other compensatory damages the way section 41.008(a) requires? 3. Is the exemplary-damages claim based on a listed Penal Code felony that takes it outside section 41.008? ## Umbrella And Excess Liability in Texas: FAQ ### What auto liability amounts establish financial responsibility in Texas? Since January 1, 2011, section 601.072(a-1) uses $30,000 for bodily injury or death of one person, $60,000 for two or more persons subject to the one-person amount, and $25,000 for property of others. The policy may exclude the first $250, $500, and $250 of those liabilities in one collision. Subsection (a) is expired.[^1] ### How large can Texas exemplary damages be? Section 41.008(b) limits them to the greater of two times economic damages plus noneconomic damages not exceeding $750,000, or $200,000. The cap does not apply to exemplary damages based on the Penal Code felonies listed in subsection (c), with the knowing-or-intentional condition the subsection states.[^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) - [Pennsylvania](/coverage/umbrella-excess/pennsylvania) - [Rhode Island](/coverage/umbrella-excess/rhode-island) - [South Carolina](/coverage/umbrella-excess/south-carolina) - [South Dakota](/coverage/umbrella-excess/south-dakota) - [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 Texas](/coverage/states/texas) ## Sources [^1]: [Tex. Transp. Code § 601.072, Minimum coverage amounts](https://statutes.capitol.texas.gov/GetStatute.aspx?Code=TN&Value=601.072) — Texas Legislature; Subsection (a) expired; (a-1) effective January 1, 2011 sets $30,000, $60,000, and $25,000; (b) allows $250, $500, and $250 exclusions. Accessed 2026-09-29. [^2]: [Tex. Civ. Prac. & Rem. Code § 41.008, Limitation on amount of recovery](https://statutes.capitol.texas.gov/GetStatute.aspx?Code=CP&Value=41.008) — Texas Legislature; Exemplary damages may not exceed the greater of two times economic damages plus noneconomic damages up to $750,000, or $200,000, with listed felony exceptions. Accessed 2026-09-29. [^3]: [texas insurance regulator](https://www.tdi.texas.gov/) — State insurance regulator; TDI regulator page outlines licensing, financial oversight, compliance/enforcement, and rate review.. Accessed 2026-09-28. [^4]: [How to Find a Licensed Insurance Agent or Adjuster](https://www.tdi.texas.gov/agent/agent-lookup.html) — State insurance regulator; TDI says search by agent name or license number and links to the state license search.. Accessed 2026-09-28. [^5]: [Get Help with an Insurance Complaint](https://www.tdi.texas.gov/consumer/complaint-home.html) — State insurance regulator; Direct complaint page explains covered entities, exclusions and online filing; Help Line 800-252-3439.. Accessed 2026-09-28. [^6]: [Texas Insurance Code §§225.002–225.004](https://statutes.capitol.texas.gov/Docs/IN/pdf/IN.225.pdf) — Texas Legislature; §225.002 limits chapter to Texas-home-state insured; §225.004(a) 4.85%; (a-1) NRRA home-state limitation; (c) entire premium where Texas is home state and no compact agreement.. Accessed 2026-09-28. [^7]: [Stamping Fees & Taxes](https://www.sltx.org/brokers/billing-information/stamping-fees-taxes/) — Surplus Lines Stamping Office of Texas; Current policy-date table lists 0.04% for inception 1/1/2024 and after; stamping fee invoices go to brokers; site says fee is paid by insured.. Accessed 2026-09-28. [^8]: [Texas Surplus Lines Companies](https://www.tdi.texas.gov/insurer/surpluslines.html) — Texas Department of Insurance; TDI says surplus-lines insurers are not licensed in Texas and its guaranty association member; eligibility/disclaimer and broker financial-responsibility details.. Accessed 2026-09-28. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [About Risklytics](https://www.risklytics.ai/about/) — Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16. [^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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