[AtlUmpSteve]

Whomever wrote that blurb is untrained (or perhaps, trained enough to mislead) to understand the certificate. Here is the coverage:

$2M General Liability, with a $3M Excess Umbrella, granting $5M total per occurence. The aggregate (total of all claims paid in the policy term) is $8M ($5M under General Liability, plus $3M in the Excess Umbrella). There are also separate limits of $1M for Personal Injury, and $1M for Products Liability.

So, while it is conceivable that $10M could be paid under the policy, no umpire really has $10M in liability insurance, if that is what he/she thinks.

Also, so far as I know (and I may be misinformed on this), the $3M Excess Umbrella is not specific to the umpire insurance; it would be shared with other classes of ASA entities, meaning ASA National, ASA local associations, ASA Commissioners or other covered Officers, etc.