The umbrella still attaches where the schedule says, and you own the gap. If the schedule requires a $1,000,000 general liability limit and the primary is written or reduced to $500,000, the umbrella generally does not drop down to meet it. The insured stands in the difference. The same thing happens quietly when a primary aggregate is eroded by earlier claims during the term. This is why a change to any underlying policy should be told to us before it happens, not discovered when a large claim lands.
Related FAQs
Usually not by default. We can review whether that layer is available and appropriate for you.
It generally follows the terms of your underlying policies and does not add new types of coverage, such as professional liability, unless specifically arranged.
For a business the drivers are different from a personal umbrella. Three things usually set the working range. What your contracts and leases require, since many name a specific ...
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