Umbrella Liability provides additional coverage when the limits of insurance on an underlying policy are exceeded. For instance, if your agency has $1,000,000 coverage under your E&O policy and you have a claim settlement for $1,500,000, the umbrella policy would pick up the additional amount. Umbrella Liability policies also add coverage to General Liability, Hired and Non-owned Auto Liability, and Employer's Liability for a single premium, and applies to your E&O policy as well. PIA Insurance Services, Inc. has a top-rated carrier - Penn National - which can tailor an Umbrella Liability policy for you that is effective and affordable.
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