Essential coverage that extends beyond standard policy limits.

Why Consider Umbrella Insurance:

In the dynamic environment of Florida, both individuals and businesses face a variety of risks that can lead to significant financial losses. Umbrella liability insurance provides an extra layer of protection beyond your standard insurance policies, safeguarding your assets and future. At St. Pete Insurance Agency, we offer tailored personal and commercial umbrella liability insurance to ensure that you are well-protected against unforeseen events.

Why Umbrella Insurance is Crucial in Florida:

Florida is known for its vibrant lifestyle, bustling businesses, and unpredictable weather. These factors can increase the likelihood of incidents leading to liability claims. Umbrella liability insurance is crucial because it provides additional coverage when the limits of your underlying policies are exhausted. Without this extra layer of protection, you could be left vulnerable to substantial out-of-pocket expenses.

Personal Umbrella Liability Insurance:

Personal umbrella liability insurance is designed to provide extra protection for individuals and families. This coverage kicks in when the limits of your homeowners, auto, or other personal insurance policies are reached, offering peace of mind in various scenarios.

What Personal Umbrella Liability Insurance Covers:

  • Bodily Injury: Provides coverage if you are found liable for someone else’s injuries, whether from a car accident or an incident on your property.
  • Property Damage: Covers damage you may cause to someone else’s property.
  • Personal Injury: Protection against claims of defamation, slander, or libel.
  • Legal Defense Costs: Covers legal fees and defense costs, even if the claim against you is groundless.

Florida’s lifestyle, from bustling cities to serene beaches, presents unique risks. Whether you’re hosting a large gathering at your home, enjoying water sports, or driving on busy highways, personal umbrella insurance ensures that you have adequate coverage for life’s unexpected events.

Commercial Umbrella Liability Insurance:

Commercial umbrella liability insurance provides additional protection for businesses, covering liability claims that exceed the limits of your standard commercial policies. This type of insurance is essential for protecting your business’s financial stability and reputation.

What Commercial Umbrella Liability Insurance Covers:

  • General Liability: Extends coverage beyond the limits of your general liability insurance, protecting against claims of bodily injury, property damage, and personal injury.
  • Commercial Auto Liability: Provides extra protection for your business vehicles, ensuring that large claims do not impact your bottom line.
  • Employer’s Liability: Offers additional coverage for claims related to employee injuries that are not covered by workers’ compensation.

Florida’s business environment is diverse and competitive, with unique risks related to natural disasters, tourism, and high traffic areas. Commercial umbrella insurance ensures that your business is protected against large claims that could threaten your financial stability and growth.

Don’t Wait, Call Us Today:

Umbrella liability insurance is a vital investment for both individuals and businesses in Florida, providing essential coverage that extends beyond standard policy limits. With St. Pete Insurance Agency, you can have peace of mind knowing that you are well-protected against the unexpected. Contact us today to learn more about our personal and commercial umbrella liability insurance options and get a free quote.

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Schedule a meeting with one of our licensed agents and we’ll customize a plan to meet all of your needs.

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At St. Pete Insurance, we are dedicated to delivering tailored insurance solutions that protect assets, mitigate risks, and foster trust within our community.


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They provide great communication and are extremely helpful when it comes to finding the right insurance coverage. Highly recommend!”

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If you want excellent, professional service and save a lot of money; make sure you call St. Pete Insurance today!”

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