When a serious claim exceeds your underlying limits, an umbrella picks up where they stop. In Florida’s litigation environment, it’s increasingly the difference between a covered loss and a personal-asset nightmare.
What it covers
- Excess limits above General Liability
- Excess limits above Commercial Auto
- Excess limits above Employer’s Liability (Workers’ Comp)
- Broader coverage on some claims the primary excludes
Who needs it
Any business facing contract requirements for higher limits — and anyone with assets worth protecting.
Florida note
Increasingly required by Florida contracts, and prudent given the litigation climate. Auto-driven umbrellas are up 5–30%; we structure the tower so you’re paying for limit, not for gaps.