Umbrella Liability Insurance

 Insurance policies always have limits, however liability is theoretically unlimited. While it is impossible to be completely insured against all losses, many companies feel the limit of liability on their primary insurance policy for each line of coverage is not enough. Umbrella and excess insurance both address this shortfall.

 

Umbrella liability insurance is designed to sit like an umbrella above several other insurance policies. Usually, they are general liability, automobile liability, and the employer's liability section of workers' compensation. Often, it is even written by the same carrier writing one of the underlying policies.

An umbrella policy is purchased for a combination of reasons, the carrier writing the underlying policy may not be able to offer a higher limit of insurance, or the umbrella may be more cost efficient. An umbrella must be written over another policy, it does not stand alone.

Best Tax Saver Mutual Funds or ELSS Mutual Funds for 2015

1.ICICI Prudential Tax Plan

2.Reliance Tax Saver (ELSS) Fund

3.HDFC TaxSaver

4.DSP BlackRock Tax Saver Fund

5.Religare Tax Plan

6.Franklin India TaxShield

7.Canara Robeco Equity Tax Saver

8.IDFC Tax Advantage (ELSS) Fund

9.Axis Tax Saver Fund

10.BNP Paribas Long Term Equity Fund

You can invest Rs 1,50,000 and Save Tax under Section 80C by investing in Mutual Funds

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