Currently, most personal umbrellas exclude all liability arising out of the ownership, maintenance, use, loading, or unloading of an aircraft. Exceptions found in some policies relate to aircraft chartered with crew by the insured, and bodily injury to an employee of the insured. Most policies also make an exception for model, toy, or hobby aircraft that do not carry people or cargo. The few policies that provide excess aircraft liability coverage do so through an exception of aircraft to the extent they are covered by an underlying policy described in the umbrella. An underlying limit of $1,000,000 may be required.