For example, if you live in an apartment, condo or duplex above another unit and you forget to turn off the bathtub which overflows and destroys your downstairs neighbors expensive antique furniture, your umbrella policy would most likely protect you in the event.
Your umbrella insurance can come into play if you are found liable and need to pay damages, or if you are sued and need to pay for your legal defense even if the result is that you are not found to be responsible.
A professional liability online rulett triks quale or business umbrella policy only provides liability supplements to existing business liability policies.
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