What coverage type might help cover the remaining liability caused by Jane's accident, given the $100,000 limit on her business auto policy?

A commercial umbrella policy is designed to provide additional liability coverage above and beyond the limits of underlying policies, such as a business auto policy. In Jane's case, if her business auto policy has a limit of $100,000 and her liability from the accident exceeds that amount, the commercial umbrella policy would kick in to cover the excess liability, up to its own limit.

This type of policy serves as a financial safety net, ensuring that a business is protected from large claims that could potentially be financially devastating. The umbrella policy can cover various types of liabilities, which may not only include auto-related claims but also incidents that arise from other business activities. Thus, it effectively broadens the coverage scope and limits the risk exposure for Jane's business.

Extended liability policies, PIP insurance, and general liability policies serve different purposes and would not directly address the scenario of surpassing the existing liability limits on a business auto policy. An extended liability policy might not exist as described, PIP insurance is typically related to personal injury and does not address property liability, and general liability primarily covers business operations rather than specific auto-related incidents. Therefore, the commercial umbrella policy is the most appropriate choice for supplementing the coverage needed in this situation.