FinDash Docs ยท Reviewed 2026-08-09
Umbrella Insurance
Estimate excess liability coverage using net worth and risk factors.
What is Umbrella Insurance
Umbrella insurance provides liability coverage above underlying auto, home, and other liability limits. In FinDash, the umbrella workflow is designed to support advisor education and coverage review, not replace carrier underwriting.
Coverage Calculation
The estimate starts with the client's asset picture and adjusts for risk factors such as profession, public exposure, number of properties, number of vehicles, recreational vehicles, boats, domestic help, and other liability exposure.
Risk Assessment
Review the guided questionnaire and underlying home/auto limits before presenting a recommendation. Advisors should confirm that key properties and vehicles are represented in Net Worth or entered manually in the umbrella workflow.
Policy Tracking
Umbrella policies can be stored in the policy inventory alongside carrier, policy number, premium, expiration, renewal, and document-backed details.
Open this guide in FinDash Docs