Personal & Commercial Coverage

Excess / Umbrella Insurance

An extra layer of liability protection that kicks in when your standard policy limits are exhausted — for individuals and businesses alike.

Get a free quote Call (305) 791-4872

Coverage overview

A single serious accident, lawsuit, or catastrophic event can exceed the limits of your home, auto, or business liability policy. Umbrella insurance provides an additional $1M–$10M+ in coverage that sits above your existing policies, protecting your assets and future earnings from large judgments. It's one of the most cost-effective forms of protection available.

What we can include

Coverage above existing policy limits
$1M–$10M+ in additional protection
Personal and commercial options
Broad coverage across multiple policies
Legal defense costs included
Worldwide coverage available
Relatively low cost per million
Protects future earnings

Who needs it

Who needs excess / umbrella insurance?

High-Net-Worth Individuals

The more assets you have, the more you have to lose in a lawsuit. Umbrella coverage protects your savings, investments, and property.

Homeowners with Pools or Trampolines

These amenities significantly increase your liability exposure. An umbrella policy provides the extra protection you need.

Business Owners

Commercial umbrella policies extend above your general liability, commercial auto, and employer's liability policies.

Landlords

Rental property owners face liability from tenant injuries, property damage claims, and wrongful eviction suits.

Parents of Teen Drivers

Teen drivers dramatically increase accident risk. An umbrella policy is a smart, affordable safeguard.

Professionals with High Income

If you earn a high income, a judgment creditor can garnish future wages. Umbrella coverage protects what you've built and what you'll earn.

Questions

Frequently asked questions

Don't see yours? Call or text us and we'll answer it.

How does umbrella insurance work?

When a covered claim exceeds your underlying policy's limit, your umbrella policy pays the excess — up to its own limit. For example, if you have $300K in auto liability and face a $1M judgment, your umbrella covers the remaining $700K.

What underlying policies do I need to have?

Most umbrella policies require minimum underlying limits on your home, auto, and other policies. We'll review your current coverage and make sure everything is properly structured.

How much does umbrella insurance cost?

A $1M personal umbrella policy typically costs $150–$300 per year — making it one of the most affordable forms of significant protection available.

Does umbrella insurance cover business activities?

Personal umbrella policies generally exclude business activities. Business owners need a commercial umbrella or excess liability policy to cover business-related claims.

Ready to get covered?

Our licensed advisors will find you the right coverage across our carrier partners. No obligation, no pressure. We speak English and Spanish.

Get a free quote (305) 791-4872

Other coverage lines

Homeowners Insurance Automobile Insurance Travel Insurance Commercial Auto Insurance Workers' Compensation Professional Liability Insurance Builder's Risk Insurance Surety & Performance Bonds