Attachment Point (Umbrella)
Definition. Attachment Point is the dollar limit of the underlying policy where the Umbrella starts paying.
Also known as: Attachment Limit
For a $1M GL + $5M Umbrella, attachment point is $1M. Below $1M, GL responds; above $1M, Umbrella adds another layer up to its own limit.
Example
$4M slip-and-fall claim: GL pays first $1M, Umbrella pays remaining $3M. Attachment point = $1M.
Sources cited
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Reviewed by California-licensed Property & Casualty insurance agent
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