What you need to know
Umbrella liability insurance protects your organization and its people against catastrophic civil liability.
The policy protects the same parties insured by the primary, or underlying, insurance policies. This generally includes:
- The corporate entity (the Named Insured),
- Its subsidiaries and affiliates,
- Their executive officers,
- Their employees, and
- Their volunteers...
...for their actions furthering the organization's business.
Church-related policies may specifically designate clergy, wardens, vestry members, and other leaders as additional types of insured parties.