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Umbrella Policy

Umbrella Policy (Glossary Word)

A liability policy with high limits. Provides coverage for losses above the liability coverage limits of an underlying policy or policies such as homeowners and auto insurance. Coverages are often broader than those underlying policies and vary from insurance company to insurance company. Unlike the underlying policies a deductible, or retention, is usually applied to a loss before a loss payment.


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DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Read your policy or consult with your agent for details. Your eligibility for particular products and services is subject to final underwriting and acceptance by the insurance company providing such products or services.

This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Be sure to read the policy, including all endorsements, or prospectus, if applicable.

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