16855 NE 2nd Avenue

Suite 303

North Miami Beach FL 33162


Phone: 305-906-3000

Fax: 305-651-0611

Umbrella Insurance

An Umbrella Policy or Personal Umbrella Policy, PUP for short, provides liability coverage over and above your standard homeowners and auto insurance policies. The umbrella policy protects you against liability claims or judgments. 


An umbrella policy also covers you for claims like libel, slander, defamation of character and invasion of privacy. It also helps defence costs,attorney fees and other charges associated with lawsuits.

If there is a liability claim against you, your umbrella policy will automatically kick in where you there standard liability coverage stops.

An example of this is if you have a $1 Million Umbrella Policy and if you are found liable for $750,000, but your auto liability policy only covers up to $250,000 your umbrella policy will pay the remaining $500,000 automatically.

It is important to remember that different companies offer different limits. However most likely all companies offer a Minimal of $1 Million dollar to a maximum of $5 Million or more.  

Let us work with you in determining the best possible scenario for your insurance needs.