Vaginal atrophy may be associated with vaginal dryness, itching, irritation, and/or pain during sexual intercourse. Hormone therapy can be effective in treating vaginal atrophy and other menopausal symptoms, but hormone therapy carries its own risks.
DEFINITION of 'Umbrella Personal Liability Policy'. A type of insurance policy that provides excess coverage above and beyond the liability coverage amounts in a standard insurance policy. The umbrella policy provides extra protection in the event that a lawsuit exceeds the basic level of coverage in the standard policy. Next Up.
There are many situations where a standard liability policy is simply not enough coverage. An Umbrella Policy allows you to protect yourself against major lawsuits in two ways. First, the umbrella provides excess liability over underlying coverage.