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This type of insurance offers added protection above and beyond your primary
insurance. This coverage starts when the amount of your incident or loss is
more than your primary policy will pay.
Umbrella or Excess Liability insurance coverage is written in "excess" of
primary insurance. It is intended to increase the total limits of liability,
providing a form of catastrophe coverage. Excess liability coverage does not
respond to a loss until the amount of the loss exhausts or exceeds the policy
limits of any existing primary policies.
For example, consider if a primary liability policy with a limit of $1 million
is written, and excess insurance is written for $3 million excess of the primary.
The primary policy would pay all losses within $1 million and the excess policy
would pay losses in excess of the primary coverage, up to the excess policy
limit of $3 million.
Make sure you are properly insured; review your policies with a DCI Insurance
Agent today.
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