保险与留置权第 1552 / 1605 题
A contractor's 'umbrella' or 'excess' liability policy is designed to:
a.Replace the workers' compensation policy
b.Provide additional limits above the underlying CGL and auto policies once those are exhausted
c.Serve as the primary policy for all claims
d.Cover only the contractor's own defective work
解析
An umbrella/excess policy provides higher liability limits that kick in after the underlying primary policies (CGL, auto, sometimes employers' liability) are exhausted. It protects against catastrophic claims that exceed primary limits.
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