--- title: "Virginia Umbrella and Excess Liability Guide" description: "Virginia owner’s policies effective on or after January 1, 2025 must provide $50,000/$100,000/$25,000, and punitive damages cannot exceed $350,000." canonical: "https://spot.insure/coverage/umbrella-excess/virginia" 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/virginia) # Virginia Umbrella and Excess Liability Guide For a motor vehicle owner’s policy effective on or after January 1, 2025, Code of Virginia § 46.2-472(B) requires limits of $50,000 for bodily injury or death of one person, $100,000 for two or more persons, and $25,000 for property of others. Policies effective on or after January 1, 2022, and before January 1, 2025, remain on the subsection A amounts of $30,000, $60,000, and $20,000. Section 8.01-38.1 separately provides that the total awarded for punitive damages shall not exceed $350,000. The jury is not told the limit, and the judge reduces a larger verdict to $350,000. Match the umbrella’s underlying auto limit to the subsection that applies to that policy’s effective date.[^1][^2] **Coverage:** [Umbrella and excess liability](/coverage/umbrella-excess) · [Virginia](/coverage/states/virginia) ## 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). ## Virginia Requirements | Requirement | Details | | --- | --- | | Owner’s policy limits on or after January 1, 2025 | Section 46.2-472(B) requires, exclusive of interest and costs, $50,000 for bodily injury or death of one person, $100,000 for two or more persons, and $25,000 for property of others. Subsection A, for policies effective on or after January 1, 2022 but before January 1, 2025, uses $30,000, $60,000, and $20,000. These are owner’s-policy limits, not an umbrella minimum.[^1] | ## What to Watch for in Virginia ### The effective date of the auto policy picks the statutory floor A policy that took effect on December 15, 2024 is still in subsection A: $30,000/$60,000 bodily injury and $20,000 property. A renewal effective on or after January 1, 2025 moves to subsection B: $50,000/$100,000 and $25,000. If the umbrella was bound against the older floor, the renewal can breach the excess form’s underlying-limit warranty even though the insured complied with the statute that applied at inception. Re-read the schedule at each auto renewal.[^1] ### Punitive damages are reduced to $350,000 Section 8.01-38.1 says the total amount awarded for punitive damages shall not exceed $350,000. The jury shall not be advised of the limitation. If the jury returns more, the judge reduces the award and enters judgment for $350,000. Ask whether the excess form covers punitive damages at all. The statute cuts the judgment. It does not add punitive coverage to a policy that excludes it.[^2] ### Both tiers insure a permitted user, not only the named insured Subsections A and B each require the policy to insure the named person and any other person using the vehicle with the named insured’s permission, for liability from ownership, use, or operation in the Commonwealth, any other state, or Canada. An umbrella that schedules only the named insured can be narrower than the auto statute. Ask who counts as a permitted user on both forms.[^1] ## Who Regulates Insurance in Virginia **Virginia State Corporation Commission, Bureau of Insurance.** The Virginia State Corporation Commission, Bureau of Insurance administers Virginia insurance laws, oversees insurers and insurance producers within its authority, and provides regulatory and consumer resources. You can use the department's complaint process to raise an insurance issue and its licensing resources to check insurance professionals.[^3][^4][^5] - [Regulator website](https://www.scc.virginia.gov/pages/Insurance) - [License lookup](https://nipr.com/licensing-center) - [File a complaint](https://content.naic.org/state-insurance-departments) ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 2.25% of premium plus up to 0.1% Bureau Special Fund assessment The NAIC's state chart lists a 2.25% of premium plus up to 0.1% Bureau Special Fund assessment charge for surplus-lines coverage for Virginia (the chart's state entries were reviewed in October 2025). Your broker may collect the applicable amount with the premium. Surplus-lines insurers are not licensed in the state and generally are outside state guaranty-association protection; ask your broker to explain the insurer's financial protections and any diligent-search requirement that applies to your placement.[^6][^7] ## 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 Virginia; [check the regulator’s license lookup](https://nipr.com/licensing-center) 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.[^10] - [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.[^13] - [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.[^14] ## Questions to Ask Before You Buy in Virginia 1. What is the auto policy’s effective date, and is the floor subsection A ($30,000/$60,000/$20,000) or subsection B ($50,000/$100,000/$25,000)? 2. Does the excess form cover punitive damages, which § 8.01-38.1 reduces to a $350,000 judgment? 3. Are permitted users insured on both the auto policy and the umbrella? ## Umbrella And Excess Liability in Virginia: FAQ ### What auto limits apply to a Virginia policy issued now? For a policy effective on or after January 1, 2025, § 46.2-472(B) requires $50,000 for bodily injury or death of one person, $100,000 for two or more persons, and $25,000 for property. Earlier policies in the January 1, 2022 through December 31, 2024 window use $30,000/$60,000/$20,000.[^1] ### What is Virginia’s punitive-damages maximum? Section 8.01-38.1 says the total awarded for punitive damages shall not exceed $350,000. The jury is not told the limit, and the judge reduces a larger verdict to that amount.[^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) - [Texas](/coverage/umbrella-excess/texas) - [Vermont](/coverage/umbrella-excess/vermont) - [Washington](/coverage/umbrella-excess/washington) - [West Virginia](/coverage/umbrella-excess/west-virginia) - [Wisconsin](/coverage/umbrella-excess/wisconsin) [Other Coverage in Virginia](/coverage/states/virginia) ## Sources [^1]: [Va. Code § 46.2-472, Coverage of owner’s policy](https://law.lis.virginia.gov/vacode/title46.2/chapter3/section46.2-472/) — Virginia Legislative Information System; Subsection A: $30,000/$60,000/$20,000 for policies effective January 1, 2022 through December 31, 2024; subsection B: $50,000/$100,000/$25,000 on or after January 1, 2025. Accessed 2026-09-29. [^2]: [Va. Code § 8.01-38.1, Limitation on punitive damages](https://law.lis.virginia.gov/vacode/title8.01/chapter3/section8.01-38.1/) — Virginia Legislative Information System; 1987, c. 255: total punitive damages shall not exceed $350,000; the jury is not advised; the judge reduces a larger verdict. Accessed 2026-09-29. [^3]: [Virginia State Corporation Commission, Bureau of Insurance](https://www.scc.virginia.gov/pages/Insurance) — Virginia State Corporation Commission, Bureau of Insurance; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28. [^4]: [Insurance Department Directory](https://content.naic.org/sites/default/files/publication-ins-ou-insurance-directory.pdf) — National Association of Insurance Commissioners; Virginia State Corporation Commission, Bureau of Insurance entry; official contact and website listing. Accessed 2026-09-28. [^5]: [Licensing Center](https://nipr.com/licensing-center) — National Insurance Producer Registry; State producer licensing and lookup resources. Accessed 2026-09-28. [^6]: [Surplus Lines Insurance Premium Taxes](https://content.naic.org/sites/default/files/model-law-chart-zz-7-surplus-lines-insurance-premium-taxes.pdf) — National Association of Insurance Commissioners; VA row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28. [^7]: [Guaranty Associations & Funds](https://content.naic.org/cipr-topics/guaranty-associationsfunds) — National Association of Insurance Commissioners; Coverage of claims from insolvencies of insurers licensed in a state; surplus-lines insurers are nonadmitted. Accessed 2026-09-28. [^8]: [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. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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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