Contracts, landlords and general contractors often ask for higher liability limits than a single policy provides. A commercial umbrella adds limits above your underlying business policies, so one serious claim is less likely to exceed your coverage. Dupuy Insurance helps Florida businesses add umbrella coverage that fits their contracts.
How it works
- We offer a commercial umbrella together with the general liability policy we place for your business. It isn’t sold on its own.
- It sits above underlying policies such asgeneral liability, commercial auto and the employer’s liability part of workers’ compensation.
- It pays covered claims after the underlying limits are used up.
- Carriers require certain minimum limits on the underlying policies.
Common questions
How much coverage do I need?
Start with your contracts and leases: they often name the exact limits required. Beyond that, consider your industry, your vehicles and the size of the contracts you take on.
What’s the difference between an umbrella and an excess policy?
Both add limits above your underlying policies. An excess policy usually follows the underlying policy’s terms exactly, while an umbrella may also cover some claims the underlying policy doesn’t. Policy wording varies by carrier.
Can I get a certificate showing the umbrella?
Yes. Once the policy is in force, we can issue certificates of insurance that show the umbrella limits to your clients and general contractors.
Send us any insurance requirements from your contracts or leases and we’ll quote limits that meet them. Call (813) 447-7534, Monday to Sunday, 7:30 AM to 7:30 PM, or request a quote online.
Commercial umbrella quotes are for businesses in Florida and are written together with a general liability policy placed by Dupuy Insurance. Coverage is subject to eligibility, underwriting and policy terms.