It can also be endorsed to cover business-use vehicles. It is an excess policy therefore, carrying the underlying commercial general liability policy or the special multi-peril policy is a requirement. Our commercial umbrella policy provides excess liability coverage beyond the liability limits provided by the commercial general liability policy or the special multi-peril policy.

It is designed to protect your personal assets once the liability limits of the underlying policy have been exhausted due to a covered loss. Our personal umbrella policy provides excess liability coverage beyond the liability limits provided in our auto and homeowner policies. Our personal umbrella policy can help protect you, your family and your assets if you are ever sued for an accident or act of negligence. To better protect you and your assets, Farm Bureau Insurance offers our South Carolina customers excess liability, or umbrella, policies to meet your specific needs.

Even though most homeowner's insurance, business insurance, auto insurance and farm insurance policies offer some liability coverage, basic coverage will not protect you from a large settlement against you. It is not uncommon to find juries that award verdicts amounting to hundreds of thousands of dollars. In today's litigious society, people and businesses get sued every day.

Umbrella policy