An umbrella policy is a complement to, not a substitute for, your home, farm, commercial, or auto policy.
Umbrella insurance
Extra liability protection for your assets or business
You should always discuss the liability limits of your basic policy with your agent. If they don't adequately protect your assets, you can find the extra protection you need in an umbrella policy.
An umbrella policy will give you additional liability protection for amounts over and above the liability limit of your primary policy. It will also usually provide broader protection than the basic policy.
You can add umbrella liability protection to almost any type of policy: homeowners, farm, commercial, auto. Talk to your agent for details.