Additional liability coverage
Umbrella Insurance is additional liability coverage that is in excess of your primary insurance policies. It helps fill gaps in your existing policies by extending liability limits and offering additional, broadened coverage for exposures that may not be covered under typical programs. The primary function is to provide additional coverage against expensive lawsuits and defense costs. An umbrella insurance policy includes several liability protections, including Auto bodily injury liability, Bodily injury liability, Property damage liability, Covers legal fees to defend, and optional coverage for Uninsured and underinsured Motorists coverage.