Does a commercial umbrella policy provide coverage for workers compensation benefits?

A commercial umbrella policy is designed to provide additional liability coverage beyond the limits of specified underlying policies, such as general liability or auto liability insurance. However, it does not extend its coverage to workers' compensation benefits.

Workers' compensation is a specific type of insurance that provides wage replacement and medical benefits to employees who are injured on the job. It operates under its own regulations and is intended to cover workplace injuries. Because of this distinct nature and statutory mandates surrounding workers’ compensation, it is not included under the umbrella policy.

The commercial umbrella policy enhances coverage for liability claims that exceed the basic policy limits but does not apply to specific requirements or coverage areas, such as workers' compensation. Thus, the answer correctly identifies that a commercial umbrella policy does not provide coverage for workers' compensation benefits.