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Commercial Umbrella

The Umbrella Program offers affordable excess insurance coverage packaged into one easy-to-manage policy. Most importantly, the umbrella can extend excess coverage for underlying insurance agents E&O. In today's legal environment, increased limits are needed to protect your business.

Penn National Umbrella

The Penn National Umbrella Program is written by agents for agents and offers our members a comprehensive commercial umbrella that includes coverage over E&O policies from a variety of carriers. This program provides the following features and benefits:

  • Commercial Umbrella coverage built to automatically include Agents/Brokers E&O
  • Marketed exclusively through producer associations
  • Designed to accept agents and brokers with a broad range of producer activities
  • Competitive pricing
  • Up to $20M limits available
  • Coverage for Agents/Brokers built to follow form over standard primary E&O policy coverages
  • Minimum primary coverage required GL/BOP and Agents/Brokers E&O
  • Coverage can include Employers Liability, excess Employee Benefits Liability & Mutual Fund of Variable Annuities coverage
  • Options to include up to $5M Personal Umbrella limits for entity principals and up to $2M excess EPLI limits

Penn National Underwriting Requirements:

  • Agency should be in business for more than three years. If less than three years, a resume of each partner, owner, and office should be provided, and the agency is not eligible for staff rating.
  • The program does not drop and provide coverage in excess of sub-limits, unless specifically scheduled.
  • Umbrella coverage does not extend to Fiduciary Liability, Directors and Officers Financial Investment Securities or Cyber Liability.
  • Higher limits are required if defense is within the limits.

Get started with Penn National today! Complete the application below and email it to once completed along with underlying declaration pages.

Umbrella Resources: 

Penn National Agent's Umbrella Brochure
Underlying Minimum Limit Requirements

Questions? Contact our Insurance Programs Administrator, Carrie Arnold, at or 410-766-0600.

Schedule a consultation to discuss the Commercial Umbrella product HERE.