Insurance18 min read
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.
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