![]() ![]() It is an excess limits policy therefore, carrying the underlying farm general liability policy is a requirement. Similar to our commercial umbrella policy, our farm and ranch umbrella provides excess liability coverage for farmers beyond the liability limits provided in the farm general liability policy. It can also be endorsed to cover business-use vehicles. It is an excess policy therefore, carrying the underlying commercial general liability policy or the special multi-peril policy is a requirement. Umbrella insurance is a stand-alone liability policy that provides an additional limit of liability over and above your underlying liability limits that are. Suppose you are sued in the court and the judge ordered the compensation of 600,000 and your standard policy is worth only 300,000. With an Umbrella policy, you are protected from a liability even if your standard policy cover is used to its maximum limit. ![]() Our commercial umbrella policy provides excess liability coverage beyond the liability limits provided by the commercial general liability policy or the special multi-peril policy. An Umbrella Policy is an additional cover above your standard Landlord insurance policy. ![]() It is designed to protect your personal assets once the liability limits of the underlying policy have been exhausted due to a covered loss. Our personal umbrella policy provides excess liability coverage beyond the liability limits provided in our auto and homeowner policies. Our personal umbrella policy can help protect you, your family and your assets if you are ever sued for an accident or act of negligence. To better protect you and your assets, Farm Bureau Insurance offers our South Carolina customers excess liability, or umbrella, policies to meet your specific needs. Umbrella insurance is a type of personal liability insurance that can provide you with extended insurance coverage should you find yourself liable for an. Even though most homeowner's insurance, business insurance, auto insurance and farm insurance policies offer some liability coverage, basic coverage will not protect you from a large settlement against you. It is not uncommon to find juries that award verdicts amounting to hundreds of thousands of dollars. In today's litigious society, people and businesses get sued every day. ![]()
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