Umbrella Insurance
Essential protection for the legacy you've worked hard to build.
What it is
An umbrella policy adds a layer of liability coverage above the limits on your auto, homeowners or business policies. When a claim or lawsuit exceeds what the underlying policy pays, the umbrella responds, typically in increments of one million dollars, for a premium that is small relative to the limit.
Why it matters
Liability claims do not stop at a policy limit. A serious auto accident or an injury on your property can produce a judgment larger than the underlying coverage, and what the policy does not pay comes from savings, property and future income. The umbrella is the coverage for that gap.
Who needs it
Homeowners, landlords, business owners, households with teen drivers, and anyone with assets or income worth protecting. On the commercial side, a business whose contracts ask for limits above what a general liability policy provides.
In Georgia
An umbrella sits above the underlying policy's limits, and in Georgia the auto floor beneath it is low: $25,000 per person and $50,000 per incident for bodily injury, and $25,000 per incident for property damage (Georgia Office of the Commissioner of Insurance and Safety Fire, read September 15, 2026). An umbrella carrier typically requires underlying limits well above that floor before it attaches, so the auto and home policies are reviewed first.
What the policy can include
- Liability above auto, homeowners and business limits
- Defense costs
- Personal umbrella for households
- Commercial umbrella for business accounts
- Underlying limits reviewed and raised where the umbrella requires it
Information is general in nature and may not reflect your specific situation. Policy language, not this page, determines coverage.
Georgia drivers must have liability insurance that meets the minimum limits (you can purchase more coverage if you choose).
Source: Georgia Office of the Commissioner of Insurance and Safety Fire, Auto insurance resources, read September 15, 2026.