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UMBRELLA LIABILITY COVERAGE
This type of liability insurance provides excess liability protection. Your
business needs this coverage for the following three reasons:
- It provides excess coverage over the "underlying" liability insurance
you carry.
- It provides coverage for all other liability exposures, excepting a few
specifically excluded exposures. This is subject to a large deductible of
$10,000.
- It provides automatic replacement
coverage for underlying policies that have been reduced or
exhausted by loss.
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