A Travelers Umbrella policy provides additional coverage when the limits of insurance on a scheduled underlying policy are exceeded.
For instance, if you have $1,000,000 coverage under a primary, scheduled General Liability policy and you have a claim settlement for $1,500,000, the umbrella policy would provide the additional amount over the $1,000,000 settlement up to the Umbrella policy limit for a covered loss.
Umbrella Liability policies add excess limits to General liability, Commercial Auto Liability, and Employer’s Liability for a single premium. It is important to note that umbrella coverage does not apply to the Professional Liability policy.
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