An umbrella is a type of liability policy. It applies over and above the coverage afforded by your primary general liability policy. In other words, it provides coverages that are not afforded by your basic liability policy. The coverages your company needs depend on the type of business you operate.

Most package policies provide a liability insurance limit of $1 million for any one loss and $2 million in any one year. For many businesses, this limit is inadequate for real economic security. As a result, additional layers of protection in million-dollar increments are readily available in today’s insurance market for most businesses.

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