Florida Personal Umbrella Insurance

Florida Personal Umbrella Insurance

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Personal umbrella insurance will essentially stack on top of your existing coverage, giving you an extra layer of protection. If your limit of liability is used up on your Auto, Home, Boat, Renter’s policy etc. then the Umbrella Policy will kick in. Your personal umbrella policy can help cover medical expenses, legal fees, and more when you need it. We’d be happy to answer any questions you may have. Be sure to read through the personal umbrella insurance claim examples for real life stories.

Personal Umbrella Insurance Coverage Highlights

  • Excess Personal Injury Coverage (Libel, slander, defamation)
  • Personal Liability
  • Worldwide Legal Defense Costs
  • Automobile Liability
  • Bodily Injury
  • Property Damage
  • Watercraft Liability

Personal Umbrella Insurance Claim Examples

Internet Blogger: The insured’s daughter hated math class as well as the teacher. The daughter made several “disparaging” and false remarks about her teacher online. The teacher sued the parents for personal injury and $750,000 was paid.

Faulty Furnace: The insured’s tenant claims she became ill from carbon monoxide poisoning resulting from a faulty furnace. The tenant claimed permanent brain damage and demanded $750,000.

Coaching Circumstances: A teenager, who was destined for greatness as a softball player, filed a $700,000 lawsuit against her former coach, alleging his “incorrect” teaching style ruined her chances for an athletic scholarship.

Falling Concrete: A hillside on the insured’s property was covered with concrete to prevent erosion. The concrete had been installed before the insured purchased the property. Approximately 5 feet of the concrete fell to the neighboring property knocking the claimant’s home from its foundation. The resulting claim was settled for $970,000.

Paintball Misfortune: The insured permitted several of her children and their friends to play paintball in her large back yard. The children were experienced and advised of all the safety rules including the use of headgear at all times. A participant removed her headgear as she was leaving the field in order to better hear someone calling her name. The minor claimant was hit in the eye resulting in a $475,000 settlement.

Beach Explosion: The insureds hosted a beach party for their daughter. One of the attendees found what was believed to be an empty and discarded propane tank. The tank was thrown into a beach bonfire and subsequently exploded resulting in severe injuries to several guests. A $20,000,000 claim was filed alleging the insured failed to properly supervise the party.


We have been serving the area’s insurance needs for over 60 years. We pride ourselves in treating our clients like family. We will always listen to your concerns and questions in order to come up with the best possible coverage for you and your family. If you have questions about a personal umbrella policy or any other type of insurance, give us a call today.

We write personal umbrella insurance policies in Clearwater, Largo, Palm Harbor, and surrounding areas.

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