Extra coverage for when you need it most.
Excess Liability Insurance Across Florida
Excess liability insurance is the ideal way to elevate your protection. It provides coverage for costs that exceed the limits of your primary insurance policy, ensuring you’re protected when your original policy reaches its limit.
Insurance is all about peace of mind, and excess liability insurance enhances that protection. It works in conjunction with your primary insurance policy, which typically covers expenses for claims made against you.
An excess liability insurance policy only provides coverage once your main policy has reached its limit and paid out in full. It then covers any remaining costs, meaning it is less likely to pay out compared to a standard policy, which often results in lower premium costs.
The terms “excess liability insurance” and “umbrella insurance” are often used interchangeably, though they can have different implications. Some insurers distinguish umbrella insurance as covering risks and situations not included in standard policies, while excess liability insurance simply increases the payout limit. Since these terms are not always used consistently, it’s important to review your policies carefully.
For more information on how excess liability insurance can provide additional reassurance, contact us today.