General Liability is often displayed an Umbrella, sometimes it is even called Umbrella Liability.  The idea is for it to It sit above and over all your other insurance policies providing you an extra layer of insurance against any legal liability you may suffer that exceeds your other policies.  It provides a layer of protection where there might otherwise be gaps in your protection plan and ultimately reduces your exposure to losses that arise from your liabilities.

General Liability coverage is designed to work in concert with your other policies as part of an overall protection plan to reduce your exposure to risk.