No. The Monoline Personal Umbrella policy is strictly designed for personal liability and does not cover commercial exposures or personal business activities.
Please note the following specific exclusions regarding business and commercial activities:
Business Operations: The policy explicitly excludes loss arising out of "business operations".
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.
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.