Question 1

Does an umbrella give me any extra coverages?

stagingeckburg · Accepted Answer

No. An umbrella is a form-following policy that provides an extra layer of coverage once the underlying general liability limit is exhausted. If a peril is covered under the general liability policy, it is covered by the umbrella. If a peril is excluded under the general liability policy, it is excluded under the umbrella.

Question 2

Does an umbrella give me any extra coverages?

stagingeckburg · Accepted Answer

No. An umbrella is a form-following policy that provides an extra layer of coverage once the underlying general liability limit is exhausted. If a peril is covered under the general liability policy, it is covered by the umbrella. If a peril is excluded under the general liability policy, it is excluded under the umbrella.