Umbrella Insurance for Florida & Georgia Businesses

For contractors in Palm Beach or shop owners in Atlanta, a commercial umbrella policy adds an extra layer of protection - stepping in when your other coverage limits run out.

What’s Typically Covered

Commercial umbrella insurance increases your liability limits across:



  • General liability policies
  • Commercial auto insurance
  • Employer's liability coverage (part of workers' comp)
  • Certain other liability policies (depending on carrier)

It helps cover large lawsuits, medical costs, legal defense fees & settlement payouts that exceed your base policies.

Add-Ons & Custom Coverage Options

Your umbrella policy can be tailored to fit your risk exposure, with options such as:

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Higher limits

for client-facing or high-traffic businesses

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Expanded coverage

for specific contracts or projects

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Protection against reputational

or advertising-related claims

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Multi-policy bundling

for cost efficiency


We'll help you make sure your umbrella coverage supports your current business needs - and your future growth.

Businesses We Help With Umbrella Insurance

We help business owners, landlords, and professionals extend their coverage limits across:


  • Boynton Beach, Boca Raton & West Palm Beach, FL
  • Fort Lauderdale, Coral Springs & nearby South Florida cities
  • Atlanta, Macon, Augusta & Savannah, GA
  • Retail stores, medical offices, restaurants & professional services
  • Owners of office buildings, strip plazas, rental units & mixed-use properties

Whether you're expanding your business or meeting contract requirements, we'll help you close coverage gaps with a tailored umbrella policy.

Common Questions About Umbrella Insurance

  • How much extra coverage does an umbrella policy provide?

    Most policies start at $1 million in additional coverage and can go up depending on your needs.

  • Does it cover everything my base policies don't?

    No - umbrella insurance kicks in after base policy limits are exhausted. It doesn't replace missing coverages.

  • Can I get an umbrella policy without other insurance?

    No - you'll need to maintain required underlying policies (like general liability or auto) for the umbrella to apply.

  • Will it help with legal defense costs?

    Yes - umbrella insurance can help pay for legal fees if your base coverage is maxed out.

  • How do I know if I need an umbrella policy?

    If a single lawsuit could exceed your policy limits, umbrella insurance may be the safety net you need. We'll help you evaluate.

Why Businesses Work With Us for Umbrella Coverage

Smart Coverage Planning

We don't sell you extra limits you don't need - we build policies that match your risk profile and contracts.

Access to Top-Rated Carriers

We shop across multiple insurers to find umbrella coverage that fits your business and budget.

Easy to Reach, Local Support

Have questions or want a quote? You'll always reach a real person - not a call center.

Let's Add an Extra Layer of Protection

A single claim shouldn't put your entire business at risk.
Let's talk about umbrella coverage that gives you real peace of mind.

Start your quote today.