Commercial Umbrella Insurance
A typical commercial umbrella liability policy offers features such as worldwide coverage; personal injury coverage; blanket contractual liability protection (for both written and oral agreements); care, custody, and control coverage; non-owned aircraft liability; watercraft liability; advertisers liability; liquor law liability; XCU liability; and an extension of protection to additional insureds.
Underwriters and companies that issue umbrella coverage have a primary objective of dovetailing their excess program with the newer commercial general liability forms (both the claims-made and occurrence versions). They have a major stake in ensuring that their policies carry out their coverage intent without problems and uncertainties. Agents, brokers, consultants, and risk managers share the responsibility to verify that the coverage issued fills their clients’ coverage needs.
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