Umbrella Liability

This is so named because it acts as an umbrella, as it combines several other classes, or sub-classes within a specified class (for example Motor Third Party Liabilities, Public and Employers Liability policy). This is done to provide tailor-made covers which provide extra protection against several liability exposures encountered during the course of business operations. This cover may be taken to kick in after some existing specific covers in place have been exhausted or taken right from the onset.  It’s a cheaper way of purchasing higher limits of liability insurance.