Excess Liability, or "Umbrella," coverage is designed to give added protection above and beyond what you might have with your homeowners and automobile policies. It can pay for expenses shuch as an injured person's medical bills, legal defense. Umbrella insurance is often overlooked and is not just for the wealthy. This important coverage can help buard your assets and keep your family protected in sever conditions. The good news is that this added protection can often be added to your insurance program for minimal cost.