If you own a business, you probably purchase general liability insurance to protect you in the event of a lawsuit due to negligence. However, there may be situations where the limits of your general liability policy may not provide adequate protection. Umbrella coverage protects you when accidents happen and your existing liability insurance policies cannot cover all of the expenses. It provides additional protection when your business auto liability, general liability or professional liability coverage stops. It expands the limit of your underlying liability policies and it broadens coverage for things that your underlying policies may not cover.
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