Policy provides for excess coverage above the limits of the underlying commercial policies very similar to a personal umbrella.
This policy is created to cover the actions of the company vehicles, employees, and other machinery owned/operated by the company employees.
The policy also covers any bodily injury sustained by a guest/client on the business premises due to a negligent act by the company or its employees…leaving a box on the floor creating a tripping hazard, etc.
Commercial policies are created to cover all locations of a company’s operation, not just the home office facility.
Umbrella policies are not set up to cover injuries to employees, that coverage falls under the coverage of the Worker’s Compensation policy.