An umbrella policy sits above other liability policies. It is worth understanding before a contract asks for it.
What an umbrella policy addresses
An umbrella policy can provide additional limits above certain underlying liability policies, subject to its own terms. It does not add coverage that the underlying policies exclude unless the umbrella says so.
Questions to ask your agent
Bring these to a licensed agency. They are prompts for a conversation, not a checklist of what you must buy.
Which underlying policies does the umbrella sit above, and what limits must they carry?
Does the umbrella follow the same exclusions as the underlying policies?
Which of my contracts or rotation programs ask for an umbrella?