Florida Umbrella Insurance (Excess Liability)
FL umbrella insurance: excess liability over homeowners, auto, and CGL. FL-specific: hurricane exclusions (review), condo associations (common area vs. unit owner), and commercial landlords. Coverage: bodily injury, property damage, personal injury, advertising injury, and legal defense. Exclusions: intentional, professional, pollution, and workers’ comp. Requires minimum underlying limits; SIR applies for uncovered claims. Must maintain underlying or gap denied.
FL Specifics
- Hurricane exclusions possible
- Condo: association vs. unit owner
- Commercial landlord coverage
Coverage
- Bodily injury, property damage
- Personal + advertising injury
- Legal defense costs
Underlying Requirements
- Minimum limits required
- SIR applies to gaps
- Gap = denied
Related Terms
- Umbrella Insurance — Overview
Barnes Walker Real Estate
Barnes Walker’s attorneys advise on FL umbrella policies. Request a legal inquiry for assistance.
Reviewed by the attorneys at Barnes Walker, Goethe, Shea & Robinson, PLLC