Mediation is often the better option when settling an umbrella insurance policy claim. Umbrella or excess policy insurance is a secondary type of liability insurance that covers a policyholder’s personal liability above and beyond the standard liability provided by the primary policy. It can cover multiple properties and cars depending on what coverage it offers. It is not a stand-alone policy and it provides added liability protection for lawsuits and claims that arise against the policyholder. It’s beneficial to settle a claim through mediation because the process is less time-consuming and usually less expensive.