Umbrella Liability (also known as Excess Liability) gives you additional coverage when a claim exceeds an underlying policy's insurance limits.
For instance, if your General Liability policy provides $1 million in coverage, but your claim settlement calls for $1.25 million, your umbrella policy would cover that additional $250,000.
You can generally add an Umbrella Liability policy to your General Liability, Hired and Non-Owned Auto Liability, and Employer's Liability coverage.