An association umbrella adds liability limit above the primary liability policies.
What it generally covers
- Higher liability limits above underlying policies
- Limits that large communities with amenities often need
Where gaps often hide
- Required underlying limits
- Exclusions that carry through
- Not all policies may be scheduled
Questions worth asking
- What underlying limits are required?
- Which policies does the umbrella sit above?
- What is excluded?
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General information only. Actual coverage depends on your policy, and coverage is not in force until confirmed in writing by the agency.