An umbrella policy, as the name connotes, ‘sits over’ something to protect it, in this case it sits over other coverages. Commercial umbrellas typically sit over your general liability, the employer’s liability section of your workers compensation policy and the commercial auto policy/HNOA coverage. Umbrellas will extend the limits available should a claim) exhaust the underlying policy limits. It is one of the least expensive insurances you will ever purchase, with the greatest potential to protect you in a catastrophic situation.