FAQs

Often the contract decides before the exposure does. Leases, client agreements, municipal permits, and general contractors routinely require $2,000,000 or $5,000,000 of combined limits, which a primary policy alone ...

The umbrella still attaches where the schedule says, and you own the gap. If the schedule requires a $1,000,000 general liability limit and the primary is written or reduced ...

It attaches at a stated point, and only over the policies listed on its schedule. The schedule of underlying insurance names each policy and the limit it must carry, ...

Commercial Umbrella Insurance generally does not reach liabilities that your underlying policies do not cover in the first place. Professional errors and omissions are the common example, and those ...

Enough to describe the vehicles, the drivers, and the operation. That means the VIN and stated value for each unit, the garaging address, the radius you run, and what ...

The biggest difference is who is covered, and it is decided by numbered symbols rather than by a list of cars. A commercial auto declarations page assigns a symbol ...

It depends on whether you are simply a business with vehicles or a motor carrier. An ordinary commercial vehicle sits on the same statutory floor as a private passenger ...

Yes, and California makes the exposure harder to argue away. Labor Code 2802 requires an employer to reimburse an employee for necessary expenditures incurred in performing their duties, mileage ...

It is built around the vehicle and the liability, not around everything in or near it. An employee hurt in a company vehicle is a workers' compensation claim. The ...

Immediately, and often earlier than you would think. A claims-made policy requires notice while the policy is in force, so a claim reported after it ends is generally outside ...