Umbrella/Excess

Florida Umbrella Insurance is excess insurance coverage that provides coverage amounts beyond the limits of other existing liability policies, also known as the underlying policies.  When the excess policy adds more coverage that’s not already provided by the existing underlying policies, it is considered to be an umbrella policy as opposed to just being an excess policy.  When an insured is liable to someone, the insured’s primary insurance policies pay up to their limits, and any additional amount is paid by the excess or umbrella policy (up to the limit of the policy).

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