Umbrella policies, for those who don't know, are kind of a catch-all insurance designed to cover losses that exceed other, more specific policies.

Like, say you're a business owner and some rando gets hurt on your property (normally covered by liability), and they sue you for a million bucks but your liability has a limit of $500K?

Umbrella coverage helps with that extra beyond your limit.

These are almost a must-have in California. We learned this when we moved out there.

But, a ton of stuff falls under an umbrella policy. Like multiple, seemingly unrelated properties.

I get the purpose of having umbrella policies. But, when I get a case saying "please change a thing for an insured" and I get a master umbrella policy number with 100 insureds under it...

Especially if the insured is a really generic name...

It makes it virtually impossible to find the correct policy to amend.

Aaaaiii yi yi yi yi.

Yeah, it's not fun trying to play detective on which one is the right one.