Commercial Umbrella

Protect Your Florida Business With a Commercial Umbrella Policy

Running a business in Florida comes with many responsibilities, and one serious lawsuit can put everything at risk. A commercial umbrella policy gives your company an extra layer of protection when a major liability claim goes beyond your standard coverage. This added protection can be the difference between recovering from an unexpected event or facing a financial loss that threatens your business.

Lawsuits and settlement costs continue to rise, and even well-prepared businesses can face large claims. A commercial umbrella policy helps shield the work you’ve put into building your company, giving you higher liability limits when you need them most.

How Commercial Umbrella Coverage Helps You

A commercial umbrella policy provides higher liability limits than what your general liability, business auto, or other primary policies offer. In some situations, it can also expand your protection beyond what your regular policies cover. Because large jury awards are unpredictable, we recommend including a commercial umbrella in your business insurance plan.

What Is Excess Liability Coverage?

Excess liability coverage adds even more protection on top of your umbrella policy. It usually follows the terms of your main underlying insurance policy and provides additional limits for businesses that face greater risks.

Who May Need Higher Liability Limits?

Your business may benefit from excess liability coverage if you have:

• High loss potential
• A large number of employees or customers
• Significant assets
• A large vehicle fleet
• High sales volume
• Multiple locations or international exposure
• Frequent interactions with the public

These situations can increase the chances of a costly claim, making extra protection especially important.

Get Guidance on a Commercial Umbrella

Every business is different, and our team at Florida Insurance Agency can help you decide whether an umbrella policy or excess liability coverage is right for you. We’ll learn about your operations and recommend protection that supports your long-term stability.