Which of the following is NOT typically required by insurers for excess liability/commercial umbrella policies?

In the context of excess liability and commercial umbrella policies, insurers generally require certain underlying coverages to be in place to provide additional layers of protection beyond those basic policies. These underlying coverages include Business Auto Insurance, General Liability Insurance, and Employer Liability Insurance, which are essential because they establish the foundational levels of liability coverage that the umbrella policy will extend over.

Homeowner's Insurance, however, is not typically a requirement in this commercial context. Homeowner's policies are designed for individuals and households, offering coverage for personal property and liabilities associated with homeownership. Since excess liability and commercial umbrella policies primarily cater to businesses and commercial entities, the inclusion of a homeowner's policy is irrelevant and unnecessary for the coverage structure that these types of policies need. This distinction makes it clear why homeowner's insurance is not a requirement for these particular commercial policies.