Umbrella 

Umbrella - this coverage is like an extra layer of insurance which sits atop a firms underlying liability coverages, such as general liability, auto liability, employers liability and professional liability.

The purpose of the Umbrella is two-fold:

    1) If a catastrophic claim wipes out a firm's underlying limits, the Umbrella would drop down and become available.

    2) Some Umbrellas may be more liberal in what they will insure against, so you may find coverage under the Umbrella that may have been excluded under the General Liability policy.