These liability coverage forms provide excess general liability, automobile liability, and employer’s liability limits. They also provide the insured with an element of protection against exclusions and gaps in the primary coverage forms or policies. Umbrella liability coverage is triggered when the limits of the primary insurance are exhausted or when a claim arises that primary insurance excludes but that the umbrella covers. Coverage is excess over only the scheduled underlying liability coverages. This explanation of insurance benefits is provided by Insurance Marketplace.