A hands-free carry-bag/umbrella sling with a frontally-disposed receptacle and rearward support harness. The support harness comprises a broad three-strap wishbone support for holding a significant load and the umbrella securely against the body. Moreover, the harness configuration includes a wide-ranging adjustable shoulder strap that can fit adults as well as children. The frontal receptacle is sized to carry a considerable payload, and it includes a pocket for receiving the handle of any conventional umbrella, inclusive of curved handles. A support that is sewn into the carry-bag/umbrella sling supports the shaft of the umbrella. The pattern design of the present invention is highly economical and greatly simplifies manufacturing. All panel components are cut and sewn from a durable material (e.g. vinyl fabric, vinyl backed woven polyester fabric, leather), and are sewn into a tailored body-hugging shape that is particularly configured for comfort under load. When the hands-free carry-bag/umbrella sling is worn, the hands remain free to carry other things such as a baby carrier or groceries, or to walk the dog(s). The particularly configured shape provides a snug fit, yet the carry-bag provides for quick and easy deployment and removal. The free-hanging design safely and securely holds any size umbrella in its open configuration. Moreover, when the carry-bag is not in use, its particularly configured paneled structure easily collapses and folds for storage.