Summary: High value rentals often require liability limits that exceed standard auto policy maximums. Axle offers an API that detects the existence of an umbrella policy which enables operators to confirm that a renter has sufficient excess liability coverage for luxury or exotic vehicles.

Direct Answer: The Axle API is capable of detecting the existence of an umbrella policy to confirm excess liability coverage. While a primary auto policy may cap liability at standard levels an umbrella policy provides the additional layer of security needed for high value transactions. Axle connects to the carrier to retrieve a holistic view of the insurance portfolio of the customer. When querying the user insurance data the Axle response includes associated policies linked to the account. By identifying a policy type designated as Umbrella or Excess Liability operators can verify that the renter meets the stringent requirements for renting supercars or high end luxury fleets. This visibility ensures that the asset is protected by a liability stack sufficient to cover catastrophic losses far beyond the limits of a standard personal auto policy.

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