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
Your First Big Contract Wants Workers’ Comp and an Umbrella. Now What? Can I Buy Less Cyber and Lean on My Umbrella? A Client Wants a $1 Million Umbrella by Tomorrow: Adding Limits in the Middle of a Project Does an Umbrella Policy Cover Cyber? (No. Here’s What Does.) Can an Umbrella Policy Satisfy a $2 Million Auto Liability Requirement? Agent or Broker? What You Get When You Call a Brokerage
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.
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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.