Excess liability insurance, also known as umbrella insurance, is a type of insurance policy that provides additional liability coverage above and beyond the limits of the policyholder’s primary insurance policies. Umbrella insurance is designed to protect policyholders from the financial consequences of lawsuits and other liability claims that exceed the limits of their primary insurance policies. This coverage can also extend to situations not covered by primary insurance, such as false imprisonment, libel, and slander.
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