561-448-0812
PERSONAL UMBRELLA INSURANCE
Extra Liability Protection When
More Is at Stake.
A serious liability claim can exceed the limits of an underlying policy. Umbrella insurance is designed to provide an additional layer of eligible liability protection above certain home, auto or other underlying policies.
Palm Beach Gardens - Serving South Florida Since 2007
PERSONAL UMBRELLA INSURANCE
A serious liability claim can exceed the limits of an underlying policy. Umbrella insurance is designed to provide an additional layer of eligible liability protection above certain home, auto or other underlying policies.
Palm Beach Gardens - Serving South Florida Since 2007
WHY UMBRELLA
The Question Is Not Only What You Own.
It’s What You Could Be Responsible For.
Umbrella insurance can be an important part of a well-rounded protection strategy, especially as your lifestyle, assets, and responsibilities grow.
Teen or Young Drivers
More drivers can mean more opportunities for a serious liability event.
Multiple Vehicles
Several vehicles can increase overall household exposure.
A Pool or Entertaining Space
Features that bring guests onto your property can increase liability considerations.
Rental Property
Landlord and rental-property exposures deserve a broader liability conversation.
A Boat or Watercraft
Liability does not stop when you leave the road.
Significant Income or Assets
A larger financial profile can make adequate liability limits increasingly important.
WHY UMBRELLA
The Question Is Not Only What You Own.
It’s What You Could Be Responsible For.
Umbrella insurance can be an important part of a well-rounded protection strategy, especially as your lifestyle, assets, and responsibilities grow.
Teen or Young Drivers
More drivers can mean more opportunities for a serious liability event.
Multiple Vehicles
Several vehicles can increase overall household exposure.
A Pool or Entertaining Space
Features that bring guests onto your property can increase liability considerations.
Rental Property
Landlord and rental-property exposures deserve a broader liability conversation.
A Boat or Watercraft
Liability does not stop when you leave the road.
Significant Income or Assets
A larger financial profile can make adequate liability limits increasingly important.
HOW IT WORKS
Think of It as Another Layer.
Your home or auto liability coverage responds first to an eligible claim. If the covered loss exceeds
the applicable underlying liability limit, an umbrella policy may provide additional coverage, subject
to its terms, limits and exclusions.
HOW IT WORKS
Think of It as
Another Layer.
Your home or auto liability coverage responds first to an eligible claim. If the covered loss exceeds the applicable underlying liability limit, an umbrella policy may provide additional coverage, subject to its terms, limits and exclusions.
WHAT IT IS — AND ISN’T
Umbrella Insurance Is Liability Protection.
IT MAY HELP WITH
Eligible liability judgments
Certain legal-defense costs
Liability above qualifying underlying policies
Certain covered personal-liability exposures
IT IS NOT
A replacement for homeowners insurance
A replacement for auto insurance
Coverage for intentional acts
Automatically applicable to business activity
A substitute for insuring the underlying exposure correctly
WHAT IT IS — AND ISN’T
Umbrella Insurance Is Liability Protection.
IT MAY HELP WITH
Eligible liability judgments
Certain legal-defense costs
Liability above qualifying underlying policies
Certain covered personal-liability exposures
IT IS NOT
A replacement for homeowners insurance
A replacement for auto insurance
Coverage for intentional acts
Automatically applicable to business activity
A substitute for insuring the underlying exposure correctly
CHOOSING A LIMIT
Don’t Pick a Number Just Because It Sounds Large.
Review assets, income, household risks, drivers, properties, watercraft
and the liability limits already carried on your underlying policies.
CHOOSING A LIMIT
Don’t Pick a Number Just Because It Sounds Large.
Review assets, income, household risks, drivers, properties, watercraft and the liability limits already carried on your underlying policies.
FAQ
Umbrella Insurance Questions
Does umbrella insurance replace my home or auto policy?
No. It generally works above qualifying underlying liability policies.
Who should consider umbrella insurance?
People with significant assets or income, multiple vehicles, young drivers, rental properties, pools, watercraft or other meaningful liability exposures may benefit from reviewing it.
Does umbrella insurance cover business liability?
Personal umbrella policies are generally designed for personal exposures. Business activities may require commercial liability or commercial excess coverage.
How much umbrella insurance do I need?
The appropriate limit depends on your assets, income and overall liability exposures. Review the whole household rather than choosing a limit arbitrarily.
Can umbrella insurance cover a boat?
Some umbrella policies can extend over qualifying watercraft liability, subject to policy requirements and exclusions.
FAQ
Umbrella Insurance Questions
Does umbrella insurance replace my home or auto policy?
No. It generally works above qualifying underlying liability policies.
Who should consider umbrella insurance?
People with significant assets or income, multiple vehicles, young drivers, rental properties, pools, watercraft or other meaningful liability exposures may benefit from reviewing it.
Does umbrella insurance cover business liability?
Personal umbrella policies are generally designed for personal exposures. Business activities may require commercial liability or commercial excess coverage.
How much umbrella insurance do I need?
The appropriate limit depends on your assets, income and overall liability exposures. Review the whole household rather than choosing a limit arbitrarily.
Can umbrella insurance cover a boat?
Some umbrella policies can extend over qualifying watercraft liability, subject to policy requirements and exclusions.
GREGG'S GOT YOU COVERED
Make Sure Your Liability
Protection Doesn’t Stop Too Soon.
Review your underlying limits and the financial exposure above them.
GREGG'S GOT YOU COVERED
Make Sure Your Liability Protection Doesn’t Stop Too Soon.
Review your underlying limits and the financial exposure above them.
Personal insurance guidance for individuals, families and business owners.
Email: [email protected]
Phone: 561 448 0812
Address: 4290 PROFESSIONAL CENTER DR SUITE 101, PALM BEACH GARDENS, FL 33410
© 2026 Gregg’s Got You Covered. All rights reserved. Coverage subject to policy terms, underwriting, and availability.