Make sure the Umbrella extends over your General Liability Policy, Auto Policy, and Workers Compensation Policy. You can determine this by looking on the Schedule of Coverages of your Umbrella Policy. If coverages are missing, or they are there with no limits, ask your agent.
Customer
- Churches
- Non-profits
- Other organizations
Coverage
- Legal fees
- Medical bills
- Damage expenses
Cost Factors
- Type of organization
- Organizational activities
- Number and type of any owned vehicles
Claim Examples
- Lawsuits exceeding coverage of other policies
- Severe auto accidents
- Employee injury suits
Over and above your other insurance coverages, an Umbrella policy picks up coverage where your other liability policies end. It will provide additional funds for those claims that exceed the limits of your other liability policies. This is an important coverage that every church should consider. The greater your church’s assets, the higher your umbrella limits should be