Premises liability and umbrella insurance are two different types of insurance. Premises liability is a type of liability insurance that covers accidents and injuries that occur on a property or “premises” owned or controlled by the policyholder. Umbrella insurance is a type of liability insurance that provides additional coverage above and beyond the limits of the policyholder’s other liability policies, such as auto insurance or homeowners insurance. It can cover a wide range of risks, including personal injury, property damage, and legal defense costs.

In general, premises liability insurance is specifically designed to cover risks associated with the ownership or control of a property, while umbrella insurance is designed to provide additional liability protection for a variety of risks. It is possible for an umbrella policy to provide coverage for incidents that occur on the policyholder’s property, but this would depend on the specific terms and conditions of the policy. It is important to review the coverage provided by both types of insurance to determine which is best suited to your needs.