Umbrella Policy Liability

Umbrella insurance is excess liability coverage that sits above primary policies (auto, home, business). If a primary policy maxes out (e.g., $500k auto liability limit), the umbrella policy kicks in, covering additional claims up to the umbrella limit (e.g., $1M). You design umbrella policies by assessing client risk (assets, business, activities), determining adequate limits, and ensuring primary policies work in conjunction with the umbrella. You manage endorsements, claim coordination, and renewals across multiple policies.