Coordinating an Umbrella With Your Other Insurance
by Nelo Melancho
The coverage under an umbrella policy can be triggered when you're sued for more than your primary liability limits. It also can be triggered when you're sued for something covered only by your umbrella and not
by your primary policies (in other words, the gaps). When the latter happens, the umbrella "steps down" and defends and protects you as if it were primary coverage, subject only to a modest deductible, called a self-insured retention (SIR) - typically, $250 or $500.
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