The term “umbrella liability” is generally used to describe a type of excess liability insurance that is broader than ordinary excess liability insurance. An umbrella liability policy provides excess coverage over several primary policies, such as commercial general liability, auto liability, and employers liability. An umbrella liability policy provides additional limits above the each occurrence limits of the insured’s primary policies and takes the place of the primary insurance when primary aggregate limits are reduced or exhausted. In addition, it may cover some claims that are not covered by the insured’s primary policies.

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