It attaches at a stated point, and only over the policies listed on its schedule. The schedule of underlying insurance names each policy and the limit it must carry, usually general liability, commercial auto, and employers liability. The umbrella responds once one of those is exhausted by covered payments. It does not float across everything you own: a policy left off the schedule is not underlying it. Some umbrellas follow the underlying form exactly, others are broader and pick up a few things the primary does not, subject to a retention.
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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