Umbrella Policy fits on top of your other personal insurance policies. It gives you a higher limit on those policies, effectively providing you with coverage when you need it most. Most frequently, umbrella insurance will cover liability claims above and beyond the liability supplied through a homeowners or auto insurance policy. In some cases, it can provide coverage for situations not covered by the original policies. JB Nibley works with several insurance companies to ensure that you receive the right umbrella policy for your specific needs.