Commercial Umbrella Insurance in Florida
A commercial umbrella adds an extra layer of liability protection above your general liability, commercial auto, and employer's liability policies. When a serious claim exceeds your underlying limits, the umbrella is what stands between the judgment and your business.
What This Coverage Includes
- Additional limits above general liability
- Additional limits above commercial auto liability
- Additional limits above employer's liability
- Defense costs for covered claims (varies by form)
- Per-occurrence and aggregate limit options from $1M up
Florida Context
Florida juries have produced some of the largest liability verdicts in the country, and businesses with vehicles on Florida roads carry real severity risk. Umbrella coverage is among the cheapest ways to buy meaningful protection - often a fraction of the cost per dollar of your primary limits.
Who Needs It
- Businesses with vehicles or driver exposure
- Companies with customer foot traffic or job-site operations
- Any business whose contracts require higher liability limits
How We Help
We align the umbrella with your underlying policies so there are no gaps between layers, and we quote multiple limit options so you can see exactly what each additional million costs.
Frequently Asked Questions
How much does umbrella coverage cost?
Typically far less per dollar of coverage than your primary policies, because it only responds to large claims. Exact pricing depends on your underlying exposures - we quote several limit options so you can compare.
What limits should I carry?
It depends on your contracts, assets, and exposure severity. Many client and landlord contracts now require $2M+ in total limits - an umbrella is usually the cheapest way to meet them.
Does an umbrella sit over every policy?
No - it schedules specific underlying policies (usually GL, auto, and employer's liability). Professional liability and cyber typically need their own higher limits, which we review together.
Get a clear, side-by-side view of your umbrella options.
One conversation with an independent advisor can surface savings and gaps your renewal notice never will.