Excess Liability Articles

Umbrella Insurance for Freelancers and Consultants

If you're wondering **what is umbrella insurance**, the short answer is this: it is extra **personal** liability coverage that sits above your [auto, homeowners, or renters liability limits](https://content.naic.org/article/whats-umbrella-policy). It can also help with defense costs after those base policies reach their limit. It does not cover damage to your own home or car, and it does not replace professional liability, or E&O.