Umbrella Coverage protection (also known as excess liability) is an optional coverage that extends the limits provided in your primary liability coverages.
Subject to coverage limitation, the umbrella coverage protection extends the limit and coverages of the policies below. In order for excess coverage limits to apply, the limits of the underlying liability coverages in theses policies must already be established at the following levels:
General Liability Policy
$1 million per occurrence/$3 million aggregate bodily injury and property damage limits required.
Vehicle Liability Policy
$1 million combined bodily injury and property damage limits per accident required.
Employers Liability Policy
$100,000 bodily injury by accident, $100,000 bodily injury by disease, and $500,000 bodily injury by disease limits required.