{"id":325,"date":"2022-05-18T06:37:45","date_gmt":"2022-05-18T06:37:45","guid":{"rendered":"http:\/\/capitolrisksolutions.com\/?page_id=325"},"modified":"2022-06-02T09:36:28","modified_gmt":"2022-06-02T09:36:28","slug":"umbrella-insurance","status":"publish","type":"page","link":"https:\/\/capitolrisksolutions.com\/?page_id=325","title":{"rendered":"UMBRELLA INSURANCE"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"325\" class=\"elementor elementor-325\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5a6c3380 elementor-section-height-min-height wd-section-stretch elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"5a6c3380\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7a5008a2\" data-id=\"7a5008a2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t\t<link rel=\"stylesheet\" id=\"wd-int-el-animations-css\" href=\"https:\/\/capitolrisksolutions.com\/wp-content\/themes\/woodmart\/css\/parts\/int-elem-el-animations.min.css?ver=6.3.3\" type=\"text\/css\" media=\"all\" \/> \t\t\t\t\t<div class=\"elementor-element elementor-element-2cab8112 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"2cab8112\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.1 - 23-03-2022 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">umbrella insurance policy<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35f57c91 elementor-icon-list--layout-inline elementor-align-center elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"35f57c91\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.1 - 23-03-2022 *\/\n.elementor-widget.elementor-icon-list--layout-inline .elementor-widget-container{overflow:hidden}.elementor-widget .elementor-icon-list-items.elementor-inline-items{margin-right:-8px;margin-left:-8px}.elementor-widget .elementor-icon-list-items.elementor-inline-items .elementor-icon-list-item{margin-right:8px;margin-left:8px}.elementor-widget .elementor-icon-list-items.elementor-inline-items .elementor-icon-list-item:after{width:auto;left:auto;right:auto;position:relative;height:100%;border-top:0;border-bottom:0;border-right:0;border-left-width:1px;border-style:solid;right:-8px}.elementor-widget .elementor-icon-list-items{list-style-type:none;margin:0;padding:0}.elementor-widget .elementor-icon-list-item{margin:0;padding:0;position:relative}.elementor-widget .elementor-icon-list-item:after{position:absolute;bottom:0;width:100%}.elementor-widget .elementor-icon-list-item,.elementor-widget .elementor-icon-list-item a{display:-webkit-box;display:-ms-flexbox;display:flex;-webkit-box-align:center;-ms-flex-align:center;align-items:center;font-size:inherit}.elementor-widget .elementor-icon-list-icon+.elementor-icon-list-text{-ms-flex-item-align:center;align-self:center;padding-left:5px}.elementor-widget .elementor-icon-list-icon{display:-webkit-box;display:-ms-flexbox;display:flex}.elementor-widget .elementor-icon-list-icon svg{width:var(--e-icon-list-icon-size,1em);height:var(--e-icon-list-icon-size,1em)}.elementor-widget .elementor-icon-list-icon i{width:1.25em;font-size:var(--e-icon-list-icon-size)}.elementor-widget.elementor-widget-icon-list .elementor-icon-list-icon{text-align:var(--e-icon-list-icon-align)}.elementor-widget.elementor-widget-icon-list .elementor-icon-list-icon svg{margin:var(--e-icon-list-icon-margin,0 calc(var(--e-icon-list-icon-size, 1em) * .25) 0 0)}.elementor-widget.elementor-list-item-link-full_width a{width:100%}.elementor-widget.elementor-align-center .elementor-icon-list-item,.elementor-widget.elementor-align-center .elementor-icon-list-item a{-webkit-box-pack:center;-ms-flex-pack:center;justify-content:center}.elementor-widget.elementor-align-center .elementor-icon-list-item:after{margin:auto}.elementor-widget.elementor-align-center .elementor-inline-items{-webkit-box-pack:center;-ms-flex-pack:center;justify-content:center}.elementor-widget.elementor-align-left .elementor-icon-list-item,.elementor-widget.elementor-align-left .elementor-icon-list-item a{-webkit-box-pack:start;-ms-flex-pack:start;justify-content:flex-start;text-align:left}.elementor-widget.elementor-align-left .elementor-inline-items{-webkit-box-pack:start;-ms-flex-pack:start;justify-content:flex-start}.elementor-widget.elementor-align-right .elementor-icon-list-item,.elementor-widget.elementor-align-right .elementor-icon-list-item a{-webkit-box-pack:end;-ms-flex-pack:end;justify-content:flex-end;text-align:right}.elementor-widget.elementor-align-right .elementor-icon-list-items{-webkit-box-pack:end;-ms-flex-pack:end;justify-content:flex-end}.elementor-widget:not(.elementor-align-right) .elementor-icon-list-item:after{left:0}.elementor-widget:not(.elementor-align-left) .elementor-icon-list-item:after{right:0}@media (max-width:1024px){.elementor-widget.elementor-tablet-align-center .elementor-icon-list-item,.elementor-widget.elementor-tablet-align-center .elementor-icon-list-item a,.elementor-widget.elementor-tablet-align-center .elementor-icon-list-items{-webkit-box-pack:center;-ms-flex-pack:center;justify-content:center}.elementor-widget.elementor-tablet-align-center .elementor-icon-list-item:after{margin:auto}.elementor-widget.elementor-tablet-align-left .elementor-icon-list-items{-webkit-box-pack:start;-ms-flex-pack:start;justify-content:flex-start}.elementor-widget.elementor-tablet-align-left .elementor-icon-list-item,.elementor-widget.elementor-tablet-align-left .elementor-icon-list-item a{-webkit-box-pack:start;-ms-flex-pack:start;justify-content:flex-start;text-align:left}.elementor-widget.elementor-tablet-align-right .elementor-icon-list-items{-webkit-box-pack:end;-ms-flex-pack:end;justify-content:flex-end}.elementor-widget.elementor-tablet-align-right .elementor-icon-list-item,.elementor-widget.elementor-tablet-align-right .elementor-icon-list-item a{-webkit-box-pack:end;-ms-flex-pack:end;justify-content:flex-end;text-align:right}.elementor-widget:not(.elementor-tablet-align-right) .elementor-icon-list-item:after{left:0}.elementor-widget:not(.elementor-tablet-align-left) .elementor-icon-list-item:after{right:0}}@media (max-width:767px){.elementor-widget.elementor-mobile-align-center .elementor-icon-list-item,.elementor-widget.elementor-mobile-align-center .elementor-icon-list-item a,.elementor-widget.elementor-mobile-align-center .elementor-icon-list-items{-webkit-box-pack:center;-ms-flex-pack:center;justify-content:center}.elementor-widget.elementor-mobile-align-center .elementor-icon-list-item:after{margin:auto}.elementor-widget.elementor-mobile-align-left .elementor-icon-list-items{-webkit-box-pack:start;-ms-flex-pack:start;justify-content:flex-start}.elementor-widget.elementor-mobile-align-left .elementor-icon-list-item,.elementor-widget.elementor-mobile-align-left .elementor-icon-list-item a{-webkit-box-pack:start;-ms-flex-pack:start;justify-content:flex-start;text-align:left}.elementor-widget.elementor-mobile-align-right .elementor-icon-list-items{-webkit-box-pack:end;-ms-flex-pack:end;justify-content:flex-end}.elementor-widget.elementor-mobile-align-right .elementor-icon-list-item,.elementor-widget.elementor-mobile-align-right .elementor-icon-list-item a{-webkit-box-pack:end;-ms-flex-pack:end;justify-content:flex-end;text-align:right}.elementor-widget:not(.elementor-mobile-align-right) .elementor-icon-list-item:after{left:0}.elementor-widget:not(.elementor-mobile-align-left) .elementor-icon-list-item:after{right:0}}<\/style>\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Home<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-angle-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Insurance Coverage <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9bad4b8 elementor-section-boxed elementor-section-height-default elementor-section-height-default wd-section-disabled\" data-id=\"9bad4b8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f961a2b\" data-id=\"f961a2b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bf79da2 elementor-widget elementor-widget-wd_text_block\" data-id=\"bf79da2\" data-element_type=\"widget\" data-widget_type=\"wd_text_block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t<link rel=\"stylesheet\" id=\"wd-text-block-css\" href=\"https:\/\/capitolrisksolutions.com\/wp-content\/themes\/woodmart\/css\/parts\/el-text-block.min.css?ver=6.3.3\" type=\"text\/css\" media=\"all\" \/> \t\t\t\t\t<div class=\"wd-text-block reset-last-child text-left\">\n\t\t\t\n\t\t\t<p>An umbrella insurance policy is purchased when a business wants to increase liability limits for General Liability (GL) and Automobile Liability.\u00a0 An umbrella can extend other miscellaneous liability limits as well but the primary usage is for these liability exposures.\u00a0<\/p><p>Umbrella coverage can be a \u201ctrue umbrella\u201d or \u201cfollowing form\u201d.\u00a0 Following form means that the coverage ONLY extends above policies listed in the umbrella policy.\u00a0 Most often a following form policy is used to increase GL limits only.\u00a0 A true umbrella is more broad and has the potential to expand limits in areas not generally considered.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-54a1c26\" data-id=\"54a1c26\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d5e980f elementor-widget elementor-widget-wd_image_or_svg\" data-id=\"d5e980f\" data-element_type=\"widget\" data-widget_type=\"wd_image_or_svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"wd-image text-left\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1999\" height=\"1328\" src=\"https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/homeowners-insurance-2.jpg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/homeowners-insurance-2.jpg 1999w, https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/homeowners-insurance-2-300x199.jpg 300w, https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/homeowners-insurance-2-1024x680.jpg 1024w, https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/homeowners-insurance-2-768x510.jpg 768w, https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/homeowners-insurance-2-1536x1020.jpg 1536w\" sizes=\"auto, (max-width: 1999px) 100vw, 1999px\" \/>\t\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6c3be64 elementor-section-boxed elementor-section-height-default elementor-section-height-default wd-section-disabled\" data-id=\"6c3be64\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7978b1a\" data-id=\"7978b1a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-279cc37 elementor-widget elementor-widget-wd_image_or_svg\" data-id=\"279cc37\" data-element_type=\"widget\" data-widget_type=\"wd_image_or_svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"wd-image text-left\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/125322-2018-08-01-161616.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/125322-2018-08-01-161616.png 1200w, https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/125322-2018-08-01-161616-300x200.png 300w, https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/125322-2018-08-01-161616-1024x683.png 1024w, https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/125322-2018-08-01-161616-768x512.png 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-59de2c9\" data-id=\"59de2c9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7a9e128 elementor-widget elementor-widget-wd_text_block\" data-id=\"7a9e128\" data-element_type=\"widget\" data-widget_type=\"wd_text_block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wd-text-block reset-last-child text-left\">\n\t\t\t\n\t\t\t<p>Premiums are a function of the underlying coverage.\u00a0 The first million of coverage is the most expensive and typically about 30% of the primary GL policy.\u00a0 Each succeeding million is less than the previous million of coverage.<\/p><p>IMPORTANT:\u00a0 Umbrellas do not typically extend above the following:\u00a0 Professional\/Errors &amp; Omissions policies, Directors and Officers Liability policies, Fiduciary Liability Policies or Employee Practices Liability insurance policies.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8f7aceb elementor-section-boxed elementor-section-height-default elementor-section-height-default wd-section-disabled\" data-id=\"8f7aceb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-48946f7\" data-id=\"48946f7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>umbrella insurance policy Home Insurance Coverage An umbrella insurance policy is purchased when a business wants to increase liability limits<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-325","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/capitolrisksolutions.com\/index.php?rest_route=\/wp\/v2\/pages\/325","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/capitolrisksolutions.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/capitolrisksolutions.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/capitolrisksolutions.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/capitolrisksolutions.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=325"}],"version-history":[{"count":16,"href":"https:\/\/capitolrisksolutions.com\/index.php?rest_route=\/wp\/v2\/pages\/325\/revisions"}],"predecessor-version":[{"id":690,"href":"https:\/\/capitolrisksolutions.com\/index.php?rest_route=\/wp\/v2\/pages\/325\/revisions\/690"}],"wp:attachment":[{"href":"https:\/\/capitolrisksolutions.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=325"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}