IRMI on Personal Umbrella Insurance


A personal umbrella policy provides excess liability coverage and protects people in two ways. First, a personal umbrella provides high limits over underlying insurance so people can protect their assets against major liability claims and the associated defense costs. Second, they can provide broader coverage by providing coverage for losses not covered by an auto policy or a homeowners policy.

Learning Objectives

Upon successful completion of this course, students will be able to :

  • describe the nature of personal umbrella insurance
  • explain why consumers buy personal umbrella policies
  • describe the structure of a typical personal umbrella policy
  • describe the typical coverages, exclusions, conditions, and endorsements of a personal umbrella policy

Designed For

PC producers

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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