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What You Want to Know about Umbrella Liability Insurance


Whether it is commercial or personal, umbrella liability insurance covers you above the limits of the standard policy.

Below you will find a concise summary of the varying forms of indemnity protection.

Commercial Umbrella Liability Insurance

Business umbrella coverage presents excess liability limits for:

  • Commercial general liability
  • Commercial auto liability
  • Employer’s liability  

In addition, these forms shield the insured from exclusions as well as gaps in primary coverage.

What triggers umbrella liability coverage?

The coverage kicks in when the primary insurance limits exhaust or when the insured files a claim that is excluded from the primary insurance but is covered by the umbrella policy.

Over-Claims-Made Primary Umbrella Liability Insurance

Insureds must be aware that the umbrella liability insurance covering a claims-made primary policy needs to be phrased in a way that shows it covers excess over scheduled underlying insurance forms or policies that are occurrence based as well. The claims-made part of the umbrella policy should be on path with the claims-made extended reporting period featured on the underlying forms or policies and the occurrence part of the umbrella policy must follow with the underlying occurrence standard coverage forms or policies.

Personal Umbrella Liability Insurance

As opposed to the commercial umbrella policy, this liability coverage is designed with the individual in the corporate world. This includes business executives as well as professionals.

The coverage expands existing primary personal liability limits by presenting added limits.


This insurance covers that what is scheduled on underlying policy, including:

  • Personal
  • Auto
  • Aircraft
  • Watercraft
  • Employer’s liability
  • Professional liability
  • Malpractice

Typically, an umbrella policy will give more coverage than the scheduled underlying policy.

An experienced independent agency will be able to go in greater length about the above forms of coverage while locating a tailored policy to your specific needs.

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Summary: Commercial Umbrella Insurance as well as Personal Umbrella Insurance is explained in this easy to read summary.  


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