What is Umbrella Insurance?
Excess Personal Liability or Umbrella Insurance refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies.
When an insured is found to be liable to someone, the insured's primary insurance policies pay up to their limits extinguish themselves. An umbrella would kick in and pay for additional liability or judgement owed up to the limit of the umbrella policy.
Common Situations Protected by Umbrella Insurance:
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