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Umbrella E&O

IIAT Advantage offers Umbrella/Excess E&O coverage through Pennsylvania National Mutual Casualty Insurance Company "Penn National" (rated "A-" by Best).

Umbrella Coverage for Agencies

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. Core coverage includes:

  1. Business Operations

    The policy provides Excess limits coverage over an agency's CGL (or Business Owners), Employers Liability, and Commercial Auto. Penn requires underlying General Liability in order to offer excess limits for other coverages.

  2. Professional Liability

    Excess limits protection on a following-form basis for errors and omissions.

  3. Employment Practices Liability

    Excess limits protection on a following-form basis, for wrongful employment practices. Coverage can be written over a number of approved EPL carriers.


Download the Umbrella Application

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Contact IIAT Advantage E&O

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Cari Senefsky

Director of Professional Liability
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Gunnar Kephart

E&O Advocate