Umbrella policies typically provide broad coverage. Furthermore, if something is not expressly excluded from coverage, it is covered. Exclusions vary from one insurer to another, and from one policy to another, but the following are some typical exclusions:
Intentional damage caused by you or an employee.
Liability that you accept under the terms of a contract or agreement.
Liability related to the ownership, maintenance, and use of aircraft, nontraditional watercraft (jet skis, air boats, etc.), and most recreational vehicles.
Damage to property owned, used, or maintained by you (the insured).
Damage covered under a workers compensation policy.
Liability arising from an act of war.