This insurance covers you for personal injury and/or property damages to third parties, over and above the coverage that you may have through other insurance, including automobile and homeowner's insurance. These other policies are called primary insurance (meaning that these policies pay first), while the group umbrella coverage is activated only after the primary insurance is exhausted, or used up. Umbrella coverage is generally purchased to provide limits over and above primary insurance and to potentially provide coverage where a coverage gap may exist.

Examples of situations this coverage could potentially address are:

You may buy from one to five million dollars of liability coverage, in excess of your other primary insurance policy, through after-tax payroll deductions. The coverage is offered through Marsh Voluntary Benefits, a service of Seabury & Smith.