Umbrella Insurance Policies

This type of insurance is a form of liability insurance to protect an association from claims that exceed the dollar limits of coverage under an association’s primary liability policies, such as commercial general liability, directors and officers liability, employment practices liability, owned-vehicle liability, etc. Umbrella coverage typically provides additional dollar limits that provide an “umbrella” over more than one type of liability policy. If an association has such a policy that provides additional dollar limits over just one type of policy, it is usually considered to be an “excess” policy.

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