What is Umbrella Liability coverage? Umbrella liability coverage provides liability limits above those of standard auto and home policies. It also can include coverage for losses that may be excluded in your policies. Why would I need Umbrella Liability coverage? Today, the public's willingness to sue has increased the number of lawsuits and the size of the sums awarded. Most standard insurance liability limits are not sufficient to cover the large court awards that are becoming more common. A GHS Umbrella Liability policy is written for $1 million and supplements your current policies to give you stronger personal liability protection. What are the requirements for umbrella liability coverage? Minimum requirements: Must have auto policy with GHS (300/500/100 coverage) Must have a personal liability policy GHS Umbrella Liability coverage is for personal use only and cannot be used for businesses Copyright © 2006 GHS Property & Casualty Insurance Company