UMBRELLA COVERAGE EVEN WHEN ITS NOT RAINING
Umbrella coverage, sometimes called Excess Liability provides EXTRA coverage over your general liability or other underlying coverages. As we discussed before the general liability limit has 6 elements and when one of those elements are exceeded the umbrella will step up to pick up the rest. These limits essentially are added to one another to provide limits more suitable to your needs. An Umbrella Policy of $2,000,000 is a great starting point which demonstrates prudence to the courts.

A good umbrella policy will extend over…
General Liability

• Hired and Non Owned Auto Liability
• 
Directors and Officers Liability
• Employers Liability (Work Comp)
• And if applicable: Employment Practices Liability.