Umbrella Liability insurance acts as an extra layer of protection, extending coverage beyond the limits of existing policies like workers' compensation, commercial general liability (CGL), and hired and non-owned auto policies. It's like having a safety net that kicks in when your other insurance policies reach their limits.
In simple terms, Umbrella insurance provides additional coverage for claims that may not be covered by other liability policies. This includes protection against claims like false arrest, libel, slander, and liability coverage for rental units you own.
Think of it as an added safeguard for unexpected situations, giving you peace of mind knowing that you're protected against a wide range of potential risks.
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