In spanish, the word policy is polica.
The Spanish word for umbrella is "paraguas."
No, a personal umbrella policy generally excludes all business and business exposure. A personal umbrella protects an individual. If your business is insured with a business/commercial policy to protect the business it would be a commercial umbrella.
Es nuestra política.
Umbrella coverage is predicated on underlying policy coverage. If you already have a professional liability policy that covers negligent acts of the insured, then the umbrella would invoke only after the underlying policy limits have reached or exceeded.
In Spanish, "umbrella" is feminine and is referred to as "la sombrilla."
Personal umbrella insurance is a personal liability policy that kicks after your other insurances have been exhausted. If you are sued for $1 million for a car accident and your auto insurance will only pay up to $300k, your personal umbrella policy will pay the remaining sum (assuming your umbrella policy is large enough).
If you have a living trusts and an umbrella insurance policy can the trust be sued in an auto accident.
I believe the term you are meaning to say is excess liability coverage. An excess liability policy act similar to an Umbrella policy that increases your liability limits on your underlying auto, home, boat, or rv policies at a very reasonable rate. An excess liability policy does differ from a true Umbrella policy so ask your agent to explain the differences and what is available for you.
umbrella policy
Words that begin with a vowel typically take 'an.'
Translation: Su número de póliza