Wisconsin Umbrella and Excess Liability Guide

Wisconsin Statutes section 344.33(2) requires a motor vehicle liability policy to provide $25,000 for bodily injury or death of one person, $50,000 for two or more persons, and $10,000 for injury to or destruction of property of others. Section 895.045(1) does not bar recovery when the claimant’s negligence was not greater than the negligence of the person against whom recovery is sought, and it diminishes damages in proportion to the claimant’s negligence. A person whose causal negligence is less than 51 percent is limited to that person’s percentage. A person whose causal negligence is 51 percent or more is jointly and severally liable for the damages allowed. Parties who act in a common scheme or plan are jointly and severally liable for all damages resulting from that action, except as section 895.043(5) provides.

What Is Umbrella and Excess Liability Insurance?

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.

Wisconsin Umbrella and Excess Liability Insurance Requirements

Requirement	Details
Motor vehicle liability policy limits	Section 344.33(2) sets $25,000 for bodily injury or death of one person, $50,000 for two or more persons, and $10,000 for property of others. The policy must insure the named person using any motor vehicle with the owner’s permission, or any motor vehicle owned by the named insured and any permitted user. These are statutory auto limits, not an umbrella minimum. ¹

What to Watch for With Umbrella and Excess Liability in Wisconsin

The joint-and-several switch flips at 51 percent
Section 895.045(1) compares the plaintiff separately with each person found causally negligent. Someone under 51 percent pays only that percentage of the total causal negligence. Someone at 51 percent or more is jointly and severally liable for the damages allowed. One percentage point changes whether the excess layer can be asked for co-defendants’ shares. Get the special verdict numbers before you reserve. ²
A common scheme creates joint liability even apart from the 51 percent test
Subsection (2) says that if two or more parties act in accordance with a common scheme or plan, they are jointly and severally liable for all damages resulting from that action, notwithstanding subsection (1), except as provided in section 895.043(5). A concerted-action allegation is a different path from the 51 percent finding. Tender it separately. ²
The statutory policy covers permitted use, not a single scheduled VIN
Section 344.33(2) requires the policy to insure the named person using any motor vehicle with the owner’s express or implied permission, or to insure any owned vehicle and its permitted users, for maintenance or use in the United States or Canada. It also states that the policy shall not insure workers’ compensation liability or injury to an employee of the insured while engaged in employment. Compare that grant and those exclusions with the umbrella’s auto following form. ¹

Providers With Wisconsin License Records

These providers publish a national listing for Umbrella and excess liability; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Wisconsin. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
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
Corgi lists commercial umbrella liability insurance.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
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
TechInsurance arranges commercial umbrella insurance for small businesses.
Vouch
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch Specialty Insurance Services, LLC
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
Vouch lists umbrella among core coverages for technology companies.

Who Regulates Insurance in Wisconsin?

Wisconsin Office of the Commissioner of Insurance

The Wisconsin Office of the Commissioner of Insurance administers Wisconsin 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

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint

Surplus-Lines Tax and Stamping Office in Wisconsin

Reported tax rate. 3% of premium ^6,⁷

The NAIC's state chart lists a 3% of premium charge for surplus-lines coverage for Wisconsin (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.

Questions to Ask Before You Buy Umbrella and Excess Liability in Wisconsin

Does the auto policy provide at least $25,000/$50,000 bodily injury and $10,000 property damage?
Is any person’s causal negligence 51 percent or more, which makes that person jointly and severally liable?
Did two or more parties act in a common scheme or plan under section 895.045(2)?

Umbrella and Excess Liability Insurance in Wisconsin: FAQ

What limits does a Wisconsin motor-vehicle liability policy need?

Section 344.33(2) requires $25,000 for bodily injury or death of one person, $50,000 for two or more persons, and $10,000 for property of others. ¹

When is a Wisconsin defendant jointly and severally liable?

Under section 895.045(1), a person whose causal negligence is 51 percent or more is jointly and severally liable for the damages allowed. A person under 51 percent pays only that percentage. Subsection (2) also imposes joint and several liability on parties who act in a common scheme or plan, except as section 895.043(5) provides. ²

Sources for Umbrella and Excess Liability Insurance in Wisconsin

1
Wis. Stat. § 344.33, Motor vehicle liability policy. Wisconsin Legislature; Subsection (2): $25,000/$50,000 bodily injury or death and $10,000 property; permitted-user grant; workers’ compensation and employee exclusions. Accessed 2026-09-29.
2
Wis. Stat. § 895.045, Contributory negligence. Wisconsin Legislature; Subsection (1): recovery if claimant negligence was not greater; joint and several liability at 51 percent or more; subsection (2) common-scheme liability. Accessed 2026-09-29.
3
Wisconsin Office of the Commissioner of Insurance. Wisconsin Office of the Commissioner of Insurance; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28.
4
Insurance Department Directory. National Association of Insurance Commissioners; Wisconsin Office of the Commissioner of Insurance entry; official contact and website listing. Accessed 2026-09-28.
5
Licensing Center. National Insurance Producer Registry; State producer licensing and lookup resources. Accessed 2026-09-28.
6
Surplus Lines Insurance Premium Taxes. National Association of Insurance Commissioners; WI row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28.
7
Guaranty Associations & Funds. 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. 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. 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. 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. 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. 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. 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. 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.

Wisconsin Umbrella and Excess Liability Guide

What Is Umbrella and Excess Liability Insurance?

Wisconsin Umbrella and Excess Liability Insurance Requirements

What to Watch for With Umbrella and Excess Liability in Wisconsin

The joint-and-several switch flips at 51 percent

A common scheme creates joint liability even apart from the 51 percent test

The statutory policy covers permitted use, not a single scheduled VIN

Providers With Wisconsin License Records

Corgi

TechInsurance

Vouch