Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 3, 2010

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Insurance Question from Trumbull, CT

Asked on 06/03/2010

I have personal auto, homeowners and umbrella insurance. My husband is an officer of a company with more umbrella insurance through work Will that policy kick in if we ever exceed the amount of our personal coverage?

Answer given on June 15, 2010

The personal umbrella policy that you have works with your auto and homeowner insurance to provide additional liability protection in the event of a large liability loss.  The auto or homeowner policy liability limits would be used first and then the umbrella policy would respond if necessary.  The policy that your husband has at work is probably a business or commercial policy that protects the company and employees.  However, sometimes a company will add or allow to be added a personal supplement for its employees.  Your husband needs to talk to the company or its agent to see if there is a personal supplement included.

If the business policy includes a personal liability supplement you then need to find out if it is considered an excess policy.  If both policies are considered the primary policy then they will not stack their limits, one on top of the other. Instead, they will work together and pay proportionately on any liability loss.  You need to talk to your insurance agent once you have determined how the policies are written to be sure you have the most protection for the best cost.   You may have duplicate coverage and may decide to cancel one policy, or amend one to be the excess policy.


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