Umbrella insurance (also known as excess coverage) provides additional liability coverage that can help protect your assets. It can also help cover defense costs, attorney fees and other charges associated with lawsuits. In a serious accident or incident, the damages you caused to others can quickly add up to exceed the liability limits of your policy. Umbrella insurance can provide extra protection in these cases and is a valuable addition to any insurance portfolio, particularly if you have many assets to protect. Underlying auto limits are required. Talk to your local independent agent or Travelers representative to see if an umbrella policy is right for you.