You can never be too rich, too famous or have too much insurance. Unfortunately, in today's litigious society, it's not just the medical practitioner who has to be protected by many kinds of insurance. One of the policies that may come into play is an "umbrella liability policy". Which of the following is the BEST description of the coverage provided by this kind of insurance?
A)Negligence on the part of the instructor
B)Slip and fall injuries suffered by the class member
C)Income protection for the instructor during times of disability
D)Supplemental or additional coverage added onto other kinds of policies

Question

Quizplus · Accepted Answer

An umbrella liability policy is a supplemental policy, typically tacked onto another existing policy. For instance, an umbrella policy can provide additional coverage for a facility if their general liability coverage is inadequate for a major medical event, like a spinal cord injury. The term "umbrella" is used because the policy does just that - it provides an overarching protection of all the policies "underneath".

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