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Umbrella insurance refers to a liability insurance policy that protects the assets and future income of the policyholder above and beyond the standard limits on their primary policies. It is distinguished from excess insurance in that excess coverage goes into effect only when all underlying policies are totally exhausted, while umbrella is able to "drop down" to fill coverage gaps in underlying policies.   Therefore, an umbrella policy can become the primary policy "on the risk" in certain situations. The term "umbrella" refers to how the policy shields the insured's assets more broadly than primary coverage.

Typically, an umbrella policy is pure liability coverage over and above the coverage afforded by the regular policy, and is sold in increments of one million dollars. The term "umbrella" is used because it covers liability claims from all policies underneath it, such as auto insurance and homeowners insurance policies. For example, if the insured carries an auto insurance policy with liability limits of $500,000 and a homeowners insurance policy with a limit of $300,000, then with a million dollar umbrella, the insured's limits become in effect, $1,500,000 on an auto liability claim and $1,300,000 on a homeowners liability claim.

Umbrella insurance provides broad insurance beyond traditional home and auto. It provides additional liability coverage above the limits of homeowner's, auto, and boat insurance policies. It can also provide coverage for claims that may be excluded by the primary policies. These may include, but are not limited to:

  • False arrest
  • Libel
  • Slander
  • Invasion of privacy

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Contact Name:
Zip/Postal Code
Company Name:
Policy Expiration Date: (mm/dd/yyyy)
List type of coverages
Quote(s) needed for: Bond Commercial
Commercial Liability
Commercial Property
Commercial Umbrella
Directors & Officers Liability
Group Health
Group Life
Professional Liability
Workers Comp

Business Information

# of Full-Time Employees
# of Part-Time Employees
How long in Business? (yrs)
How many locations?

Please give a brief description of your business and clientele

Property/Premises Information

Occupancy Status
Year Built
% Occupied


# Basements
Sq. Footage
Burglar Alarm
Building Value
Other Property (specify)

Insurance Information

Annual Gross Sales: (before taxes)

Number of Employees

Annualized Payroll

Cost of any Subcontracted Work

Limits Requested

Describe any claims you've had in the past 5 years

Additional Comments