Umbrella Insurance
Return to Previous Page

Umbrella liability insurance provides excess liability coverage over the insured's primary liability policies. Most umbrella policies provide coverage that is broader than the insured's primary policies. Underlying limits is a requirement of the insurer. Umbrella policies have the following functions:

  • To provide additional limits above the occurrence limit of the insured’s primary policies.
  • To take the place of primary insurance when the primary aggregate limits are reduced or exhausted.
  • To provide broader coverage for some claims that would not be covered by the insured's primary insurance policies, subject to the policy retention or deductible.
Physical Address:  28 Barkley Circle Ft. Myers, Florida 33907
Mailing Address:  P.O. Box 62487    Ft. Myers, Florida 33906-2487
Ph:  239.278.3939 Fax: 239.278.4853