Commercial Umbrella 

Commercial Umbrella policies provide an insured with an extra umbrella of liability of protection over the primarily liability insurance. Most umbrella policies require an insured to initially purchase liability insurance coverage to be able to purchase an addition umbrella insurance policy.

Commercial Umbrella policies are designed primarily for protection against catastrophic losses and it broadens coverage for things that your underlying polices may not cover. For example, if your auto liability covers accidents in a specific geographic area and umbrella policy could expand that area.