Umbrellas are liability insurance that is in excess to the underlying liability policy. It is similar to an Excess Liability policy, but it is broader. An Excess Liability pointy increases the liability of the underlying policy, but the umbrella can cover several policies. Some umbrellas have a drop-down feature that covers items not covered by the underlying policy like driving outside the United States. A lot of people should have umbrellas. It is a small cost in return for the peace of mind they bring. Ask us about them. You’ll be glad you did.
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RW Caldwell Insurance
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(727) 321 – 1212