Umbrella liability insurance policies are available for individuals and businesses. The policies for individuals are referred to as personal umbrella liability policies, whereas the policies for businesses are referred to as commercial umbrella liability policies. Both types of policies provide an extra layer of liability coverage above and beyond what standard liability insurance policies provide. They are inexpensive and invaluable in the event of a significant claim.

Umbrella liability policies are not standard policies. Each company creates their own coverages, exclusions, and other terms. Therefore, it is important to hire a knowledgeable and experienced independent insurance broker or agent to assure you that you are receiving the best coverage at the lowest price.