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
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.