• The Farm Umbrella policy provides for high limits of liability to protect the insured farmer from catastrophic losses. This policy provides liability coverage that is overlaid on top of the main liability coverage provided by the Insured Farm Owner’s Farm Policy, Personal Vehicle and any other scheduled main liability policy. It covers bodily injury (BI), property damage (PD), and personal injury (PI), including offenses such as defamation, slander, false arrest, and invasion of privacy. The farm umbrella policy also fills in some of the gaps in specified deductible coverage (often referred to as the saved limit) in the base policy.