What is an Umbrella Insurance Policy and what does it cover? Umbrella refers to a liability insurance that is in excess of your auto, home and other insurance policies when you are found liable for things such as slip and falls, auto injuries, slander and more. If you think you might be at risk for these things you need Umbrella Insurance in Utah. An Umbrella Policy is designed to protect your assets and future assets from major claims and lawsuits. You have worked hard for your money and to protect your future, don't let a lawsuit ruin that for you. Let us design a liability protection plan that best suits you.