Commercial Umbrella Insurance

Extra Liability for Real-World Risks

Florida’s business environment is complex—lawsuits are frequent, contract requirements are demanding, and even small claims can threaten your bottom line. Commercial umbrella insurance adds a crucial layer of extra liability above your existing business policies, protecting contractors, fleet owners, and small businesses from the risks that come with growth and exposure.


At LIG Specialty Insurance, we specialize in helping business owners in Casselberry, Orlando, and across Florida navigate contract language, licensing mandates, and high-value projects that demand higher limits. As a family-run, relationship-based agency, we review your actual risk profile—not just a checklist—to recommend exactly what you need.

Red car with severe damage to the rear, loaded on a tow truck.
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What Does Commercial Umbrella Insurance Cover?

Excess Liability

Provides additional coverage above your general liability, commercial auto, and (sometimes) workers’ compensation policies, filling gaps when base limits are exceeded.

Large Judgments and Settlements

Protects your assets when lawsuits or catastrophic claims surpass your standard policies—especially important in Florida’s high-litigation climate.

Legal Fees

Covers defense costs and court expenses that aren’t capped by primary policy limits.

Contract Compliance

Many Florida contractors and vendors need umbrella insurance to bid on larger jobs, meet client demands, or secure municipal/government contracts.

Each policy is tailored: you choose the limits and underlying coverage based on your unique business operations and contract requirements.

Red car with severe damage to the rear, loaded on a tow truck.

Who Needs Commercial Umbrella Insurance?

Umbrella policies are essential for:


  • Contractors and trades with large contracts or fleets exposed to jobsite and auto risks
  • Businesses serving the public (restaurants, retail, offices) with higher client/visitor traffic
  • Companies required to show higher limits for licensing or projects—especially in Florida’s construction and service sectors
  • Owners wanting peace of mind against rare but devastating claims


If you operate in an industry or region with a high frequency of litigation (like Florida), umbrella coverage is one of the most cost-effective ways to guard your company’s future.

Florida-Specific Considerations

  • High Lawsuit Frequency: Florida is known for frequent and high-dollar liability claims—umbrella policies are a common contract and lender requirement.
  • Contract/License Requirements: State and municipal projects, as well as many private contracts, require umbrella coverage with specific minimums.
  • Fleet and Commercial Auto Exposure: Businesses with multiple vehicles are more likely to hit liability caps—umbrella insurance protects against those outsized, unpredictable risks.


We’ll review your contracts and compliance requirements with you to ensure your umbrella policy meets every standard—before you sign or bid.

Commercial Umbrella vs. Other Liability Coverage

  • Umbrella Insurance: Provides excess coverage that kicks in when underlying policies (like general liability or commercial auto) reach their limits.
  • Excess Liability: Similar, but umbrella policies are broader—often stacking over multiple lines of coverage, not just one.


If you’re unsure which you need, our team explains the difference and recommends the most practical, cost-effective fit.

Red car with severe damage to the rear, loaded on a tow truck.

Frequently Asked Questions – Commercial Umbrella Insurance

  • How much coverage can I add with an umbrella policy?

    Most small businesses start with $1–5 million in additional coverage, but we customize limits based on your contracts and risk.

  • Does umbrella insurance cover everything?

    No, it extends only the same types of liability as your base policies; it can’t add new types of coverage.

  • Is commercial umbrella required in Florida?

    It’s not required by law, but it’s often mandatory for contracts, licenses, or client/vendor agreements.

  • How do I know if my business should have an umbrella policy?

    If you work in contracting, operate a fleet, or sign projects with higher insurance requirements, you almost certainly need umbrella coverage.

Umbrella symbol, indicates keep dry.

Ready to Strengthen Your Protection?

Let’s review your policies, contracts, and exposures together. At LIG Specialty Insurance, you’ll always get clear guidance, rapid certificates, and a team that knows your business by name.