Commercial Umbrella Liability


The litigious nature of American society and verdicts in excess of $1 million arguably makes a commercial umbrella policy the most important kind of insurance policy that a business can purchase. But umbrella policies are unique in that they provide coverage after a primary policy has been exhausted by the payment of claims.

The course examines various coverage concepts that are unique to umbrella policies, the difference between umbrella coverage and excess coverage, and how to coordinate and umbrella/excess insurance program.

Learning Objectives

Students who successfully complete this course will be able to:

  • explain the need for umbrella/excess coverage
  • describe the operation of umbrella coverage
  • distinguish between the operation of umbrella coverage and excess coverage
  • identify issues such as attachment points, gaps in coverage, and duty to maintain underlying insurance

Designed For

P&C insurance producers and adjusters
International Risk Management Institute, Inc. (IRMI) is the premier provider of risk and insurance continuing education and reference publications, and is considered the ultimate authority by leading insurance practitioners. Written by industry experts, IRMI courses provide the most up-to-date, practical and reliable information possible.

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