Definition: An umbrella policy adds liability limits above your general liability, employers’ liability and auto policies.

Why it matters for salons and spas

Useful when a lease or venue requires higher limits than your primary policy provides.

Example

A resort landlord requires higher limits, so the salon adds an umbrella.

Related terms

Per-Occurrence Limit · Aggregate Limit

Learn more: general liability · full glossary · salon insurance questions.

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