Umbrella Liability
Extra limits that sit above your general liability, auto and employers liability policies.
What it means for your firm
Umbrella policies usually do not add limits to professional liability. Contracts that ask for higher limits often mean this policy.
Articles that explain it
Can an Umbrella Policy Satisfy a $2 Million Auto Liability Requirement? A Client Wants You to Double Your Professional Liability Limit. What Are Your Options? If You Stamp Engineering Drawings, What Liability Are You Actually Taking On? We Asked Civil Engineers What They Wanted to Know About Insurance. Here’s What They Asked. When Insurance Requirements Show Up After You’ve Already Won the Project: What Architects Are Actually Doing OCP vs. Additional Insured: What’s the Difference?
General definition for education only. It is not an interpretation of any policy or contract, and it is not legal advice. The wording of your own policy and contract controls. Policies and definitions vary by insurance company.
Talk to a specialist
Tell Us About Your Firm. We’ll Tell You What We See.
Starting out or renewing, with a policy in hand or not. If something is worth discussing, we’ll call. If not, we’ll say so.