Commercial Excess-Umbrella Coverage provides which of the following?

Commercial Excess-Umbrella Coverage is designed to provide additional liability insurance beyond the limits of primary commercial liability policies, such as general liability, commercial auto, and employer's liability. This type of coverage is beneficial for businesses looking to protect themselves from significant financial losses that could arise from large liability claims.

When a liability claim exceeds the limits of the primary coverage, the Excess-Umbrella Coverage kicks in to cover those excess amounts. This is particularly important for businesses that might face high-risk situations or substantial claims that could threaten their financial stability.

The other options do not accurately reflect the purpose of Commercial Excess-Umbrella Coverage. It is comprehensive in its application and does not limit itself to specific types of claims like workers' compensation or property damage alone, nor does it exclude coverage for liability claims. Therefore, the correct and most comprehensive understanding of this coverage is that it covers liability claims that exceed primary coverage limits.