Lloyd's of London underwriters may have been the originators of umbrella-type liability insurance coverage. (Credit: TimeStopper/Adobe Stock)
True umbrella coverage is rare in today's commercial liability insurance market.
But many insurers, agents and brokers still use the term “umbrella,” which can refer to all types of excess and hybrid liability insurance policies. What’s more, some insurers have developed their own primary general liability policy forms or extensively modify so-called standard or proprietary general liability forms by endorsement.
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