Umbrella Coverage Gap Analysis
Calculator
Underlying gap — auto
150,000
Results
- Underlying gap — auto
- 150,000
- Underlying gap — general liability
- 200,000
- Total underlying gap
- 350,000
Insurance and risk results
| Underlying gap — auto | 150,000 |
| Underlying gap — general liability | 200,000 |
| Total underlying gap | 350,000 |
formula-map diagram
- Underlying gap — auto
- 150,000
- Underlying gap — general liability
- 200,000
- Total underlying gap
- 350,000
Coverage and risk relationship
Formula
Underlying gap = max(0, required underlying limit − limit held), summed across lines= 150000
Note
This is generic arithmetic using the amounts, rates and factors you entered. It is not an insurance quote, a policy interpretation, or financial advice. No insurer rate, jurisdiction rule, statutory limit or policy wording is built in. Real premiums and payouts depend on underwriting, your policy's exact terms and exclusions, and applicable regulation; confirm with your insurer or a licensed professional.