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A policy designed to provide protection against catastrophic losses.  It generally is written in addition to various primary liability policies, such as the business auto policy, commercial general liability policy, watercraft and aircraft liability policies, and employers liability coverage. The umbrella policy serves three purposes: a) it provides excess limits when the limits of underlying liability policies are exhausted by the payment of claims; b) it picks up where the underlying policy stops when the aggregate limit of the underlying policy is exhausted by the payment of claims; c) it provides protection against some claims not covered by the underlying policies after the retention.