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An umbrella liability policy provides an insured with an “umbrella” of liability protection over the primarily liability insurance, explain Donald D. Malecki, CPCU, and David D. Thamann, J.D., CPCU, ARM, authors of Commercial General Liability Coverage Guide, 11th Edition.

Most umbrella insurers require you to purchase primary insurance coverage before selling you an umbrella policy—for example, general liability insurance, auto liability insurance, workers compensation or employers liability insurance.

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