Opinion ID: 1957318
Heading Depth: 3
Heading Rank: 2

Heading: May & Co.'s Commercial Umbrella Liability Policy

Text: ¶ 25. Meyers argues he is an insured under the provisions of the commercial umbrella insurance policy. The policy does state it covers [a]ny employee of an insured who is included as an insured under the provisions of any `scheduled underlying insurance' ... but only to the extent that coverage is provided by your scheduled or unscheduled policy. As we noted above, Meyers' vehicle is listed on the business automobile policy Schedule of Coverages and Covered Autos; therefore, the policy makes clear Meyers is covered by the commercial umbrella policy.
¶ 26. Under Miss.Code Ann. § 83-11-111 (Rev.2002), excess liability policies are exempt from the provisions of the uninsured motorist act; furthermore, May and Co.'s commercial umbrella liability policy explicitly excludes coverage stemming from uninsured motorist policies. Therefore, pursuant to Miss.Code Ann. § 83-11-111, the umbrella policy which provides excess liability coverage beyond that of the business automobile policy is exempt from the provisions of the uninsured motorist act, and Meyers is not entitled to any uninsured motorist coverage under that policy.