Umbrella insurance and excess liability insurance are two different types of insurance that are commonly referred to interchangeably. They are both designated to add extra liability coverage over and above another insurance policy(s). After a claim uses up all limits from a primary policy, the umbrella or excess policy will respond, up to their policy limits.
Personal umbrella insurance is usually used to increase liability limits of policies such as auto, watercraft and/or homeowners insurance.
Commercial umbrella insurance and excess liability insurance will usually provide additional coverage for one or all of these key types of insurance policies: general liability insurance, commercial auto insurance, and employers' liability insurance (workers comp).