Walterry Insurance: Umbrella The Hartford's SPECTRUM Umbrella liability policy provides protectio in the event of "catastrophic" lawsuits and broad protection from the "unknown" causes of liability losses. This important feature provides you greater "peace of mind" of properly protecting your business assets. The policy provides a layer of excess insurance over specifically identified primary policies: Business Liability on the SPECTRUM, Automobile Liability, Liquor Liability and Employers' Liability. A self-insured retention of $10,000 applies for coverages not covered in an underlying policy and not excluded by the SPECTRUM Umbrella. Limits can be purchased in million dollar increments up to, and including, $10 million for those who have purchased Hartford's SPECTRUM policy with a limit of $1 million. Copyright © 2005 Walterry Insurance Brokers [ Forms ] [ Contact Us ] [ Privacy Policy ] [ Home ]