Extra Limits When Claims Get Big
Coverage that Sits Above Your Primary Policies
Umbrella liability insurance gives your business an added layer of protection when a claim is serious enough to exceed your general liability, commercial auto, or employers liability limits. In Florida, one major lawsuit or vehicle crash can move past standard limits quickly, especially for contractors working busy job sites or businesses with vehicles on the road every day.
GM Insurance Underwriters helps Florida companies add umbrella coverage that fits the way they operate. Whether you’re running crews across Jacksonville, servicing clients in Orlando, or building on the Gulf Coast, we structure limits to match your contracts and your risk profile.
How Umbrella Ties Into Your Full Program
Better Coverage Without Messy Overlaps
Umbrella insurance is designed to extend your existing liability policies, not replace them. That means it should be built around your primary coverage so it responds the way you expect when something serious happens.
Our team makes sure your underlying limits meet carrier requirements, and we coordinate coverage across policies so you’re not juggling gaps or conflicting terms. For many Florida contractors, umbrella coverage is part of a
broader package
that includes general liability, workers’ comp, commercial auto, and equipment protection.
Answers to Common Umbrella Liability Questions
What does an umbrella policy cover?
It provides additional liability limits above your primary policies, typically general liability, commercial auto liability, and employers liability.
How much umbrella coverage do contractors carry?
Many Florida contractors start with $1 million in umbrella limits, then increase based on job size and contract requirements. We’ll help you determine what your projects call for.
Is umbrella insurance expensive?
Compared to the amount of added protection, umbrella coverage is usually cost-effective. Pricing depends on your industry, claims history, and underlying limits.