Umbrella Insurance
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Umbrella liability insurance provides excess liability coverage over the insured's primary liability policies. Most umbrella policies provide coverage that is broader than the insured's primary policies. Underlying limits is a requirement of the insurer. Umbrella policies have the following functions:

• To provide additional limits above the occurrence limit of the insured’s primary policies.
• To take the place of primary insurance when the primary aggregate limits are reduced or exhausted.
• To provide broader coverage for some claims that would not be covered by the insured's primary insurance policies, subject to the policy retention or deductible.