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Oklahoma Umbrella and Excess Liability Guide

The Oklahoma Insurance Department’s FAQ says automobile liability coverage is required by state law and that the minimum amount is 25/50/25. Its December 2024 Insurance and Financial Resource Guide explains those figures: $25,000 for any one person injured in an accident you cause, $50,000 for injuries to two or more people, and $25,000 for property damage of others. The same FAQ draws a regulatory line. The Department of Public Safety regulates private-passenger compulsory insurance. The Oklahoma Corporation Commission is the authority on financial-responsibility compliance for motor carriers. An umbrella over a private passenger auto follows the 25/50/25 explanation. An umbrella over a trucking operation has to be checked against the Commission’s motor-carrier requirements, which the FAQ does not restate.

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.

Oklahoma Umbrella and Excess Liability Insurance Requirements

Requirement	Details
Department’s stated private-passenger liability minimum	The Insurance Department says state law requires automobile liability coverage and states the minimum as 25/50/25. The resource guide reads that as $25,000 for one injured person, $50,000 for two or more people, and $25,000 for property damage. Those amounts are not an umbrella minimum, and they are not the motor-carrier schedule. ^1,²

What to Watch for With Umbrella and Excess Liability in Oklahoma

Read 25/50/25 as three different payments
The resource guide says the first 25 is a maximum of $25,000 paid to any one person injured, the 50 is a maximum of $50,000 for injuries to two or more people, and the last 25 is a maximum of $25,000 for property damage of others. The per-person figure is inside the $50,000 total. An umbrella attachment point that assumes $50,000 for each injured person overstates what the department describes. ²
A motor carrier is not on the private-passenger FAQ answer
The FAQ says the Department of Public Safety regulates private-passenger compulsory insurance, and the Corporation Commission regulates financial-responsibility compliance for motor carriers. Do not schedule a trucking umbrella from the 25/50/25 private-passenger answer. Ask the Commission what filing that operation needs. ¹
The department says the minimum may not cover the loss
The resource guide says the state requires minimum coverage but that may not be enough if the damages exceed the liability insurance purchased. That is the gap an umbrella is bought to sit above. The guide also says most lenders require comprehensive and collision in addition to the liability the state requires. Those physical-damage coverages are not a substitute for the 25/50/25 liability limits, and they are not what an excess liability form follows. ²

Providers With Oklahoma License Records

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 Oklahoma. 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. ¹¹
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. ¹⁴
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. ¹⁵
Vouch lists umbrella among core coverages for technology companies.

Who Regulates Insurance in Oklahoma?

Oklahoma Insurance Department

OID's Licensing Division oversees new and renewed producer, adjuster, and business-entity licenses. Its consumer assistance process takes insurance complaints and requests for help; the licensee lookup displays license status and expiration. ^3,^4,⁵

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

Surplus-Lines Tax and Stamping Office in Oklahoma

Reported tax rate. 6% of premium and fees, plus 0.175% SLAS transaction fee ^6,^7,⁸

For Oklahoma-home-state placements, OID says the 6% surplus-lines tax base includes premium and fees; SLIP also bills a 0.175% SLAS transaction fee. Oklahoma law requires a policy notice that surplus-lines coverage has no guaranty-association protection, so ask your broker to itemize the tax and transaction fee.

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

Does the underlying auto policy provide at least $25,000 per person, $50,000 per accident, and $25,000 property damage as the department describes those figures?
Is the vehicle a private passenger auto regulated by Public Safety, or a motor carrier whose financial responsibility is with the Corporation Commission?
If a lender requires comprehensive and collision, is the liability limit still separately at or above 25/50/25?

Umbrella and Excess Liability Insurance in Oklahoma: FAQ

What liability minimum does the Oklahoma Insurance Department publish?

The department’s FAQ says state law requires automobile liability coverage with a minimum of 25/50/25. The resource guide explains that as $25,000 for one injured person, $50,000 for two or more people, and $25,000 for property damage. ^1,²

Does 25/50/25 answer a motor carrier’s financial-responsibility question?

No. The FAQ says Public Safety regulates private-passenger compulsory insurance and the Corporation Commission regulates financial-responsibility compliance for motor carriers. ¹

Sources

15 documents, numbered as cited. Open the sources

Sources for Umbrella and Excess Liability Insurance in Oklahoma

1
Frequently asked questions. Oklahoma Insurance Department; Minimum auto liability of 25/50/25; Public Safety regulates private passenger insurance and the Corporation Commission regulates motor carriers. Accessed 2026-09-29.
2
Insurance and Financial Resource Guide, December 2024. Oklahoma Insurance Department; 25/50/25 explained as $25,000, $50,000, and $25,000, with a warning that the minimum may not cover the loss. Accessed 2026-09-29.
3
oklahoma insurance regulator. State insurance regulator; OID identifies its licensing division's licensing and education responsibilities and consumer-assistance links. Accessed 2026-09-28.
4
OID Licensee Look Up. State insurance regulator; Instructions: choose Oklahoma, LICENSEE, and individual or business entity; search status, expiration, appointments, and license details. Accessed 2026-09-28.
5
OID File an Online Complaint. State insurance regulator; Official online Request for Assistance/complaint filing instructions and submission form. Accessed 2026-09-28.
6
Financial FAQs. Oklahoma Insurance Department; Current OID FAQ states the surplus-lines tax is 6% of premium plus policy fees; quarterly remittance. Accessed 2026-09-28.
7
Bulletin No. 12-2023. Oklahoma Insurance Department; For policies and endorsements effective on or after Jan. 1, 2024: 6% surplus-lines tax plus 0.175% SLAS transaction fee, paid through SLIP. Accessed 2026-09-28.
8
Oklahoma Statutes, Title 36 §1109. Oklahoma Senate; Policy must carry bold declaration-page notice that surplus-lines contracts are not subject to any guaranty association protection in liquidation or receivership. 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.

Oklahoma Umbrella and Excess Liability Guide

What Is Umbrella and Excess Liability Insurance?

Oklahoma Umbrella and Excess Liability Insurance Requirements

What to Watch for With Umbrella and Excess Liability in Oklahoma

Read 25/50/25 as three different payments

A motor carrier is not on the private-passenger FAQ answer

The department says the minimum may not cover the loss

Providers With Oklahoma License Records

Corgi

TechInsurance

Vouch