Businesses of any size are increasingly vulnerable to multi-million dollar court decisions. This type of policy takes over where coverage under your standard general liability policies stops. Think of It as another layer of coverage to protect the time and hard work you have invested in your business.

An Umbrella policy provides additional limits of liability for the policyholder over and above the limits provided by the primary liability policies. Generally, Umbrella policies have broader policy language than the primary liability policies, which assists in filling in the gaps from a basic liability policy.

s In essence, the additional coverage provided by an Umbrella policy is three fold: 1. it provides higher limits than the other coverages owned, 2. it covers exposures not otherwise covered and, 3. it provides automatic replacement for existing coverages exhausted or reduced by loss.