umbrella  insurance


The umbrella insurance policy is catastrophe protection. It covers you when a claim or several claims exhaust the limits of your primary:

  • general liability,
  • business auto liability and
  • the employer’s legal liability section of your workers’ compensation policy.


The umbrella policy serves three purposes:

  • it provides excess limits when the limits of underlying liability policies are exhausted by the payment of claims;
  • it drops down and picks up where the underlying policy leaves off after the aggregate limit of the underlying policy is exhausted by the payment of claims; and
  • it protects against some claims not covered by the underlying policies, subject to the self-insured retention (SIR).


Are you confident your insurance includes an umbrella liability policy?   Give us a call to analyze your current coverage.  We can show you options that expand coverage without increasing cost.



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