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.
Umbrella Liability Insurance is a policy written over various other liability policies, such as General Liability Insurance or Commercial Auto Insurance. When these underlying policies fall short of covering a claim, Umbrella Liability can cover the excess. For example, if your client is sued for $1,500,000, but only has $1,000,000 in GL coverage, Umbrella Liability pays the $500,000 difference.