Written by agents for agents, our comprehensive agents’ umbrella coverage packages all the protection your agency needs into one policy.
In a business climate where even the most minor error or perceived oversight can lead to significant legal consequences, it’s never been more important for insurance professionals to carry strong, reliable protection. Lawsuits have become increasingly common—and costly. Whether it’s a misstep in documentation, a misunderstanding in coverage explanation, or a completely unforeseen issue, you could find yourself facing a claim that has the potential to jeopardize everything you’ve worked to build.
That’s why PIA Southern Alliance in Duluth, Georgia is proud to offer our Comprehensive Agents Umbrella Program, specifically designed for independent insurance agents and agencies. Our program offers an additional layer of protection that goes above and beyond your underlying policies, shielding you from the potentially devastating financial impact of large judgments or settlements. It is not just about liability—it’s about safeguarding your reputation, your livelihood, and your peace of mind.
This powerful umbrella program includes enhanced coverage for Professional Liability, General Liability, and Business Auto exposures—providing the broad and balanced protection insurance professionals like you need in a high-stakes environment. One of the standout features of this program is first-dollar legal defense for covered claims that fall outside the bounds of your underlying insurance. That means your protection starts immediately, without deductibles or out-of-pocket legal fees for qualifying claims.
The PIA Southern Alliance umbrella program is built with the flexibility and robustness our members expect. Each feature is designed to make the policy comprehensive, easy to work with, and tailored to the real-world risks you face as an agency owner or independent agent. Program highlights include:
Full Prior Acts Coverage Available
Protect yourself from claims arising from incidents that occurred before your umbrella policy was in force. If eligible, this coverage ensures continuous protection for your past professional activities, offering reassurance that your legacy—and your liability—is covered.
Broad List of Acceptable Underlying Carriers
We understand that each agency works with different carriers. That’s why our umbrella program is designed to work in tandem with a wide variety of reputable and approved underlying insurers. You won’t have to change your primary carrier to get the umbrella coverage you need.
Matching Coverage for Primary Policies with Defense Expenses Included
If your primary policies include defense costs within the limits of liability, we’ll match that structure in your umbrella policy, providing seamless and consistent protection. This ensures that when a claim arises, you’re not left scrambling to understand conflicting coverage terms.
Efficient Underwriting for Excess E&O
We simplify the process for excess E&O coverage by often relying on your primary policy application. This reduces paperwork and expedites approval—without compromising on quality or coverage.
Every agency is different—and so are its risk exposures. That’s why our umbrella program offers several unique options that can be tailored to suit the size, scope, and structure of your business. These include:
Personal Umbrella Coverage for Key Individuals
Protect the people who make your business run. This coverage extends personal umbrella protection to agency owners, partners, officers, and even members of their immediate families. When the lines between personal and professional blur, this safeguard ensures your leadership team is protected.
Employment Practices Liability (EPL)
In today’s environment, employment-related claims are on the rise. Our umbrella program can provide excess limits on a following-form basis for claims related to wrongful termination, harassment, discrimination, and other workplace issues—giving your agency additional financial protection where you need it most.
Blanket Protection for Most Risks
Our umbrella policy is broad in scope and can apply to a wide range of potential claims scenarios. From property damage and bodily injury to personal injury and advertising injury, your agency can operate with confidence knowing it has a solid safety net in place.
Tailored Excess Programs for Larger Agencies
As your agency grows, so do the risks. Our umbrella program offers the flexibility to design a custom excess coverage solution that scales with your agency’s evolving needs. Whether you operate in multiple states, specialize in niche markets, or manage a large book of business, we can craft a solution that keeps you protected without overpaying for coverage you don’t need.
Affordable Premiums and Flexible Payment Plans
Comprehensive protection doesn’t have to come at a steep cost. We offer competitive pricing and multiple payment options to help agencies of all sizes incorporate umbrella coverage into their risk management strategy without stretching their budget.
Get coverage up to $10 million for commercial and errors & omissions, and $5 million for personal exposures of owners and officers. We offer affordable minimum premiums for three employees or fewer.
Interested in protecting your agency assets and want an Umbrella? Fill out the New Business application for your quote and email it to Amanda!
Time to renew? Fill out the application and email to Amanda! We’ll get your renewal quote right back to you.
The Penn National Umbrella Program is a comprehensive excess liability insurance product designed specifically for insurance agents and agencies. It offers additional layers of protection above your existing Professional Liability, General Liability, and Business Auto policies. This coverage is ideal for agencies that want peace of mind knowing they’re protected against large claims, legal judgments, and unexpected legal expenses that could exceed the limits of their standard policies.
The Penn National Umbrella Program offers broad-based protection, including:
Professional Liability
General Liability
Business Auto
First-Dollar Legal Defense for covered claims not included in underlying policies Optional coverages may include personal umbrella protection for key personnel, employment practices liability (EPL), and blanket protection for a wide range of risks. The program is flexible and can be tailored to fit the needs of both small agencies and larger, more complex organizations.
Even the best-run agencies can face lawsuits or liability claims that exceed the limits of their primary insurance. The Penn National Umbrella Program offers a safety net—stepping in when your underlying limits are exhausted or when a claim isn’t covered by those policies. It also includes uncapped legal defense in many situations, which means you’re protected from massive out-of-pocket legal costs that could otherwise be financially devastating.
Penn National’s umbrella program is specifically designed for insurance professionals. It recognizes the unique risks faced by independent agents and offers features like full prior acts coverage, matching terms with underlying carriers, and underwriting efficiencies that reduce administrative burdens. Its flexibility and agent-focused design make it a standout choice compared to generic excess liability offerings.
Applying is easy through PIA Southern Alliance. In many cases, underwriting is based on your existing primary policy applications—saving you time and paperwork. To get started, contact Amanda Bautista at PIA Southern Alliance. She’ll walk you through the application, help you explore your options, and provide a no-obligation quote tailored to your agency’s size and risk profile.
