Which of the following is NOT covered under an umbrella policy?

An umbrella policy is designed to provide excess liability coverage beyond what is covered by underlying insurance policies, such as homeowners, auto, and other personal liability policies. However, not all types of liabilities are included in an umbrella policy.

In the context of the question, it is important to note that an umbrella policy typically does not cover auto liability in all cases. While it provides additional coverage above the limits of an existing auto liability policy, there are certain exclusions. For instance, if the underlying auto policy does not provide coverage for a particular incident (like certain types of vehicle accidents or specific policy exclusions), the umbrella policy would not step in to cover those incidents either.

Non-owned aircraft, professional liability, and personal injury are generally considered exclusions or may have limited coverage under typical umbrella policies. Thus, the correct response highlights that while umbrella policies can provide important additional protections, they do not uniformly cover all auto liability, especially if it exceeds the terms and limits of the underlying policies.