No. The Monoline Personal Umbrella policy is strictly designed for personal liability and does not cover commercial exposures or personal business activities.
Underlying policies: Monoline is a personal umbrella carrier and only sits over personal liability policies (such as homeowners, renters, and personal auto). The umbrella cannot sit over a Business Owners Policy (BOP), a Commercial Package Policy (CPP), or any business, general, or commercial liability policy. A Comprehensive Personal Liability (CPL) policy or a premises liability policy is acceptable, because the liability is personal. Do not confuse a CPL (Comprehensive Personal Liability) with a CPP (Commercial Package Policy).
Please note the following specific exclusions regarding business and commercial activities:
Business Operations: The policy explicitly excludes loss arising out of "business operations". - Occasional Filming/Location Use: Liability arising from occasional third-party filming or location use at a residence is excluded from coverage, even if the activity is infrequent or incidental.
Definition: "Business" is defined broadly as any trade, profession, occupation, or farming activities. This definition encompasses "personal business" or side-hustles if they fall under these categories.- Occasional or Incidental Activities: The definition of "business" also includes activities that generate income, even if they occur occasionally or are secondary to the primary use of the property as a residence.
LLCs & Trusts: Losses arising out of the business operations of a Limited Liability Company (LLC) or Trust are also excluded.
Commercial Vehicle Use: Coverage is excluded for any auto while it is being used to carry persons or property for compensation or a fee. This includes, but is not limited to, the delivery of food or any other products.
Ride-Sharing: Autos used for ride-sharing (or registered/rented for that purpose) are excluded from coverage.
Ineligible Watercraft: Watercraft carrying passengers or cargo for a fee are not eligible for coverage.