Umbrella insurance is additional liability insurance. Umbrella insurance policies are designed to help protect insureds from major claims and lawsuits. Umbrella policies help protect the financial well being of the insured. Umbrella policies provide additional liability coverage beyond the liability limits of an insureds underlying policies. For personal umbrella policies, the umbrella provides additional coverage beyond that provided by your homeowners, auto and boat policies. For commercial umbrella policies, the umbrella provides coverage beyond the liability coverage provided by Commercial General Liability and Commercial Auto policies.