When one policy isn't enough.

A personal umbrella sits above your homeowners, auto, and watercraft liability limits. When an underlying policy is exhausted, the umbrella responds — typically in $1M increments from $1M to $10M or more. It also provides coverage for certain claims excluded from underlying policies, such as libel, slander, and false arrest.

If you own real estate — especially rental property. If you drive high-performance or luxury vehicles. If you have a pool, a boat, a dock, or teenage drivers. If you serve on boards or employ household staff. These are all liability exposures that your underlying policies may not fully protect. An umbrella closes that gap.

Florida is a notoriously litigious state. Plaintiff-friendly jury pools, aggressive attorney advertising, and high jury verdicts — especially in Tampa Bay and Sarasota — make elevated liability limits critical for any high-net-worth individual. A $1M auto liability limit can disappear in a single serious accident in Hillsborough or Sarasota County.

Standard umbrella policies start at $1M over underlying coverage. For clients with significant net worth — substantial real estate holdings, a collector car collection, a boat or multiple watercraft — $5M to $10M in umbrella coverage is increasingly common and often surprisingly affordable relative to the protection it provides.

Typically $300K–$500K minimum underlying liability required.

Usually $250K/$500K or $300K CSL underlying required.

Marine liability underlying often required if you own a boat or watercraft.

Landlord policy liability underlying needed for any rental properties owned.