Penn National Insurance Agents' Umbrella

Penn National Insurance Agents' Umbrella Program

Commercial Umbrella coverage built to automatically include Agents/Brokers E&O

PIA and Penn National Insurance are proud to offer the most comprehensive and affordable excess insurance protection available, packaged into one easy-to-manage policy.

Coverage Highlights:

Full commercial umbrella coverage
  • 10M limits available
  • Limits up to 20M may be available subject to underwriting
  • Combined occurrence/claims made coverage in one excess policy
Excess over underlying
  • Agents' E&O*
  • BOP/GL*
  • Commercial Auto
  • Employers Liability (Not available in NY)
    * Minimum primary coverage required GL/BOP and Agents/Brokers E&O
Program Features
  • Full prior acts available
  • Broad list of acceptable underlying carriers
  • Coverage for Agents/Brokers built to follow form over standard primary E&O policy coverages
  • Defense Expense in addition when primary E&O Defense is in addition
Additional Options
  • Option to eliminate the SIR (Where permitted by Law)
  • Option to add Mutual Funds or Variable Annuities coverage
  • Option to add Excess Employment Practices Liability (EPLI) up to $2,000,000
  • Option to add Excess Employee Benefits Liability
Optional Personal Umbrella Endorsement (not available in TX or WI)
  • Option to add Personal Umbrella endorsement for entity principals
  • Limits available up to $5,000,000, not to exceed the Commercial Umbrella limit
Simplified Staff Rating for Smaller Accounts
  • Available for agencies with fewer than 9 employees and 6 vehicles
  • Limits up to $3,000,000
  • Staff Rating Availability subject to Underwriting guidelines



Coverage available in AL, DC, FL, GA, IN, KS, KY, MO, NC, NJ, NY, OH, SC, TN, TX, VA, WI and WV.


Request a Rate Indication

Agents in the following states are served directly by PIA's national E&O and cyber specialists:
  • Florida
  • Ohio
  • West Virginia
Agents in all other states, please select your state below to contact your local PIA producer about purchasing an umbrella for your agency.
Descriptions of coverage are for illustration only and are subject to actual policy provisions.

Underwritten by:
Penn National Insurance
Post Office Box 2361
Harrisburg, PA 17105-2361