One of the most common misunderstandings in the insurance industry is how umbrella insurance works. Our very own Rodney Kemp takes a minute to discuss it.

  I have been in the insurance business long enough now to realize that the term "umbrella policy" is not the correct name for the coverage intended. Umbrella implies that it is a protective cover over all of your liability exposures and will catch any gaps that may reveal themselves. This is not the case by any means. I prefer to call this coverage "excess liability" and/or "extended liability" because it merely increases the amount of liability coverage you have in force. However, it is very useful if you are facing a major lawsuit. Please contact us if you have further questions or would like a free quote.
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