Umbrella insurance is, in essence, a particular type of liability policy that kicks in when an ordinary plan falls short. For example, a driver may have a limit of $25,000 on a personal injury but need to pay far more than that after they injure a large number of drivers. Without this coverage, they’ll have to pay out of their pockets.
With umbrella insurance, drivers will have a more extensive liability option that will ensure that they can pay off these costs without having to lose their own money. As a result, people who are often in somewhat dangerous career positions or who travel a lot may want umbrella policies to stay safe in a multitude of circumstances.