Florida Umbrella Insurance from The Lombard Street Group

Because liability issues are everywhere it’s extremely important to consider umbrella insurance (also called “excess liability” insurance). You never know what could cause someone to present you with a lawsuit, and umbrella insurance will protect you from liability issues the go beyond the limits of your standard insurance policies — such as your homeowners, auto, or watercraft insurance. It’s liability protection that creates an “umbrella” for you.

Every umbrella policy is different, but most of the time, an umbrella policy will cover bodily injury and property damage to others. It’s activated once your primary liability coverage is used up.

Situations in which you need umbrella coverage often come out of nowhere and can cause serious financial problems for you if you’re not prepared. A good example is if you cause a multi-car accident and have to pay for all the damages to each car. Sometimes it only takes one person to sue you for everything you’ve got — especially if you own a pool, a trampoline, or entertain guests. You simply cannot be too careful.

Umbrella insurance is protection and peace of mind, and is relatively low-cost. If you think umbrella insurance may be right for you, or even if you’re unsure, simply contact us today with any questions you may have. You can also fill out our quote form for a free Florida umbrella insurance quote!