An Umbrella policy provides additional limits when the limits of an underlying policy is exhausted by the payment of claims. Therefore, it is a policy designed to protect firms against catastrophic losses. It is generally written over multiple primary policies, such as the General Liability, Automobile and Workers’ Compensation policies.


Umbrella policies can also be written over Watercraft and/or Aircraft Liability policies, however, they are usually not written over Professional Liability policies. Additional limits can be purchased separately to increase Professional Liability limits, however, this is usually done in the form of Client/Project Specific Limit endorsements or stand-alone Excess Professional Liability policies.

Umbrella policies can also provide protection against some claims that may not be covered by the underlying policies.

Feel free to Contact Us today to learn more about Umbrella coverage or pricing.

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