BUMBERSHOOT LIABILITY COVERAGE is designed for businesses whose principal exposure is ocean marine and involves the operation of vessels and use of docks. This is a specialized form of umbrella liability insurance. Bumbershoot coverage includes protection and indemnity, general average, collision and salvage charges, sue and labor, all other legal and contractual liability (including employers liability under admiralty laws or the longshore act), automobile liability, and coverage for other hazards associated with general liability insurance.