Umbrella Insurance

We offer comprehensive umbrella insurance solutions that extend beyond the limits of your standard liability policies, providing an additional layer of security. Our umbrella insurance covers the extensive costs that can arise from lawsuits and liability claims, ensuring that a single claim doesn’t threaten your business stability.

Get A Quote

About Insurance

What Is Umbrella Insurance?

Many people view umbrella insurance as just an optional add-on—a safety net they might never use. At MK FL Insurance, we see it from a different perspective. We consider umbrella insurance a critical layer of security that extends beyond your standard liability limits, safeguarding your business assets and future. It’s about offering an extra level of protection not only for your operations but also for the people and the broader impacts of your business activities.

In our litigious society, even small incidents can spiral into large claims. With MK FL Insurance’s comprehensive umbrella insurance, you can conduct your business with enhanced assurance, knowing you're covered against substantial claims of negligence or harm. This coverage ensures that a severe claim does not jeopardize your business’s financial health or reputation.

Other Insurances
Get A Quote
Kimberly – Liability Insurance Image 3

Liability Insurance Coverages

Get A Quote
family

Excess Liability

Provides additional coverage limits over your existing liability policies, helping to protect against large-scale financial damages.

Get Your Insurance
family

Worldwide Coverage

Ensures coverage extends internationally, providing global protection for liabilities that occur abroad.

Get Your Insurance
family

Catastrophic Liability

Shields your business from the devastating financial consequences of catastrophic events that exceed standard policy limits.

Get Your Insurance
family

Legal Defense Costs

Offers additional coverage for legal defense expenses when claims exceed underlying policy limits, including court costs.

Get Your Insurance
family

Supplementary Payments

Covers supplementary costs such as bond premiums and other expenses not typically covered under primary policies when limits are exceeded.

Get Your Insurance
family

Broad Coverage Extension

Extends the breadth of coverage to include additional risks and scenarios not typically covered under regular liability policies.

Get Your Insurance
family

Personal Injury Protection Extension

Increases coverage limits for claims involving personal injuries, offering greater protection against high-cost settlements.

Get Your Insurance
family

Property Damage Extension

Extends coverage for property damage claims that exceed the limits of your primary insurance, providing additional financial security.

Get Your Insurance

Frequently Asked Questions

Insurance is a financial arrangement in which an individual or entity pays a premium to an insurance company

Umbrella insurance is a type of liability insurance that provides additional coverage beyond the limits of your existing policies, such as auto, homeowners, or general business liability policies.

Umbrella insurance is beneficial because it covers excess claims that surpass your other policies' limits, protecting your assets from being depleted by large liability claims.

It generally covers personal injuries, property damage, certain lawsuits, and personal liability situations that are not covered by other insurance policies.

The amount depends on your assets, risk exposure, and the underlying policy limits. A common recommendation is to have at least as much coverage as your net worth.

Yes, for businesses, commercial umbrella insurance can extend the liability coverage of general liability, commercial auto, and employer's liability policies.

Umbrella insurance is relatively inexpensive compared to the amount of coverage it provides, making it a cost-effective way to increase your liability protection.

Yes, umbrella policies often cover legal fees and other defense costs over and above your base policy limits, ensuring you're protected without exhausting other resources.

It does not cover your own injuries or property damage, intentional or criminal acts, or liabilities covered under other insurance exclusions.

Get Insurance Now

Don't wait until it's too late—secure your coverage now and enjoy the peace of mind that comes with knowing you're protected.