Hendrickson Insurance
Hendrickson Insurance
A personal umbrella policy provides a broad layer of liability protection above your homeowners, auto, watercraft, and other underlying policies. Typically in $1M increments from $1M to $10M or more. For Florida homeowners with assets to protect in Sarasota, Bradenton, Tampa, St. Petersburg, Clearwater, Venice, or Lakewood Ranch, an umbrella isn’t optional. Florida’s litigious environment makes it essential.
A personal umbrella sits above your Florida homeowners, auto, and watercraft liability limits. When an underlying policy is exhausted, the umbrella responds. It also provides coverage for certain claims excluded from underlying policies, such as libel, slander, and false arrest.
If you own real estate in Sarasota, Bradenton, or Tampa. 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 Florida courts take seriously.
Florida is one of the most litigious states in the country. Plaintiff-friendly jury pools, aggressive attorney advertising, and high jury verdicts. Especially in Hillsborough, Pinellas, and Sarasota County. Make elevated liability limits critical. A $1M auto liability limit can disappear in a single serious accident.
Standard Florida umbrella policies start at $1M over underlying coverage. For clients with substantial Gulf Coast real estate, a collector car collection, or watercraft, $5M to $10M in umbrella coverage is increasingly common and often surprisingly affordable.
Most Florida umbrella carriers require minimum underlying liability limits on home and auto policies before an umbrella attaches. We review your existing coverage, identify gaps, adjust underlying limits as needed, and then place the umbrella on top. Where the household also owns a home the standard market has outgrown, the umbrella is written as one piece of a high net worth insurance program in Florida, sitting above the HO5, the autos and the watercraft on the same account.
Typically $300K–$500K minimum underlying liability required on Florida homeowners.
Usually $250K/$500K or $300K CSL underlying auto liability required.
Marine liability underlying often required if you own a boat or watercraft.
Landlord policy liability underlying needed for any rental properties owned.
Personal umbrella sits above your homeowners liability.
02 / Related CoverageAuto liability is one of the underlying policies an umbrella protects.
03 / Related CoveragePersonal umbrella does not include flood; that requires a separate policy.
04 / Related CoverageDifferent product for businesses; sits above commercial GL and auto.
A personal umbrella policy is a liability insurance policy that sits above your homeowners, auto, and watercraft policies. When the underlying liability limits are exhausted by a serious claim or lawsuit, the umbrella pays , typically in $1M increments from $1M to $10M or more.
Florida is one of the most litigious states in the country. If you own real estate, drive multiple vehicles, have a pool or boat, employ household staff, or have teen drivers, a $1M umbrella is the minimum we'd recommend.
Florida $1M personal umbrella policies typically run $200 to $500 per year. $5M and $10M limits cost more but are often surprisingly affordable. Call 941-952-7991 for a quote.
Most Florida umbrella carriers require $300,000 to $500,000 homeowners liability and $250,000/$500,000 auto liability as the floor before an umbrella attaches.
Call 941-952-7991 or schedule online. Have your current homeowners and auto declarations pages ready.
Call 941-952-7991 or schedule online. We’ll review your underlying coverage first.
Dennis Hendrickson changed a New Jersey state tennis rule at 17 and played four years of Division I tennis at UNC Charlotte. Today he writes both the commercial and the personal insurance for Gulf Coast owners himself, and he works a renewal or a claim the way he played: nothing conceded, no point given away.
When you apply, he answers. Every application goes straight to Dennis. He reads it himself and responds the same business day in most cases, always within 48 hours.
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