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UMBRELLA An umbrella policy is one which provides higher liability limits which come into play in excess of the limit of the "primary" liability policy. An additional feature of an umbrella policy is that it covers some areas not covered by the primary liability policy subject to a deductible known as a "self insured retention" (SIR).CBIC's Umbrella coverage is available to be excess over Commercial Package policies and Businessowner (BOP) policies. Note: This is a summary of available coverages and is not intended to represent or substitute for policy conditions. The policy alone determines the scope of the coverage provided. Always read your policy carefully and, if you have any questions about your coverage, contact your agent. |
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