Umbrella insurance is a type of liability insurance that covers you in excess of other nominated insurance policies. It also potentially covers you for losses not covered by the other policies that you have.
When you are liable, your primary insurance policies pay up to their nominated specified limits, and any additional amount is paid by the umbrella policy that has been put into place (up to the limit of the umbrella policy).
Excess Insurance
Excess insurance is much like umbrella insurance in that it also pays out after an underlying primary policy is exhausted, with a couple of important differences. Umbrella policies tend to provide broader coverage over one or more of the primary policies, and they sometimes lack exclusions used in the underlying primary policies. We can advise and arrange on all types of Umbrella and Excess Insurance policies and packages.
For more information about how Umbrella Insurance and Excess Insurance can benefit you and protect you, contact Stephen Thomas, Insurance Broker in California today!
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Email: stephen@difordinsurance.com