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 usually require Professional Liability Insurance. Because an umbrella sits on top of the policies beneath it and follows their terms, the underlying coverage is what sets its reach.
Related FAQs
Usually not by default. We can review whether that layer is available and appropriate for you.
It generally follows the terms of your underlying policies and does not add new types of coverage, such as professional liability, unless specifically arranged.
For a business the drivers are different from a personal umbrella. Three things usually set the working range. What your contracts and leases require, since many name a specific ...
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