Is Umbrella Insurance Right For Me?


The majority of people believe that umbrella insurance is something that rich people need and that they will have no use for. However, there are many people who can benefit from an umbrella insurance policy. As you purchase more assets and have more earning power, you also increase the amount of assets you have at risk. If your basic auto and homeowners insurance policies are not enough to cover your assets, then it may be time to consider an umbrella insurance policy.

With both homeowners insurance and auto insurance, there is a minimum to purchase and there is a maximum that you can purchase. If you have maxed out your coverage through your traditional policies, you are not out of luck. You simply need to purchase excess liability which would cover anything above your traditional policy. This is referred to as an umbrella policy.

An umbrella insurance policy will not just cover your home or vehicle, though. It can cover all of your assets including your retirement fund. In addition to that protection, it offers protection against non-work related cases of personal injury including libel, slander, false arrest, and wrongful eviction. It can cover your legal costs for a covered loss. It also covers you worldwide and not just here in the United States or in a specific state.

You can purchase an umbrella policy ranging from $1 million to $5 million. With such large amounts of coverage, it is the ideal insurance policy to supplement existing policies when you have a lot of assets to protect. While it is not right for everyone, if you have a lot to protect, you may want to consider it.

For more information about an umbrella insurance policy or to get a quote for one, contact us today at SWFL Insurance Agency, Inc.   239-265-9577

Umbrella Liability Claim Scenario # 5….This could be You.

Motorcycle accident

The 56-year-old insured pulled forward out of her driveway, making a left turn into the path of a motorcycle, which was coming out of a curve. The operator of the motorcycle applied his brakes and “laid it down,” but struck the quarter panel of the insured’s vehicle.

The insured was cited for traffic violations. The motorcycle passenger (wife of the motorcycle operator), died at the scene. She is survived by her husband, four children (ages 7 to 15), her parents, grandparents and several siblings. The motorcycle operator suffered a fractured finger and abrasions and had a valid “bystander’s claim” under state law.

The Personal Umbrella Policy contributed $640,000, above the primary policies.  This is areal life claim situation.  Remember Liability Insurance is really about Wealth Protection.

Do not let something like this happen to you.  Call SWFL Insurance Agency at 239-265-9577 for an Umbrella proposal.  

Accidents happen….Real Life Claims….The Need for Umbrella Liability Coverage

boating with kids

Accidents are why people have homeowners and auto insurance, but often claims can exceed the coverage limits of these policies. So if you aren’t protected by a Personal Umbrella Policy, you could be putting your house and financial assets at risk.

One of the best ways to understand the need for a personal umbrella is to review actual claims examples. It is very clear that an incident arising from just normal daily activities can expose all of us to the potential for a large claims law suit.

Boating fun quickly turns serious**

The claim arises out of a boating accident. The policyholders are the owners of a speedboat, which is considered a “family” boat and made available to other members of the family for recreational use.

Several family members were camping at a lake near the policyholders’ residence. One of the policyholders allowed them to use the boat during their stay. The policyholders’ 15-year-old grandson was allowed to take three other family members (all minors) out on the lake to go tubing. The 10-year-old claimant had just finished tubing. The tube and tow rope were placed in the stern of the boat and the claimant was sitting next to them.

The conditions on the lake suddenly became very choppy and windy. The claimant was ejected from the rear of the boat along with the tube and the tow rope. The tow rope wrapped around the claimant’s neck, causing a significant injury.

The occupants of the boat recovered the claimant and headed for the dock, flagging down the sheriff’s patrol boat on the way. The claimant lost consciousness and the deputy had to administer CPR several times. She was airlifted to the hospital.

The claimant suffered an injury to her neck, trachea, esophagus as well as a fracture of the second cervical vertebrae. She was on a ventilator for 96 hours and in ICU for almost one month. Later, she developed serious complications to her pancreas, colon and gall bladder and suffers from ongoing extreme hoarseness with continued troubles with her breathing.

The RLI Personal Umbrella Policy contributed $700,000 on top of the primary coverage limits of $300,000.

A real life claim as related by RLI Insurance on their website**

Call SWFL Insurance Agency at 239-265-9577 for a premium proposal for an Umbrella Liability Policy.



SWFL Insurance Agency. Newsletter September 21, 2015



INSURANCE NEWSLETTER                                September 21, 2015

Timely and Important Topics that can Save Money and Protect Your Wealth       


  • Attention Condo Owners on Fort Myers Beach and Sanibel….We now offer Condo Owners Insurance Policies that include Wind and Flood coverage. These policies provide coverage for “weekly rentals”. Call 239-265-9577 for a comparison premium quote. 


  • We offer very competitive Auto Insurance Premium rates for “Seniors” through the Travelers Insurance Company. Call us at 239-265-9577 or request a quote at


  • It is Hurricane season again….Make sure your Homeowners, Condo Owners and Flood Policies are up date and that the insured values are accurate. Do not assume that everything is fine, have your policies reviewed today. Make sure your “Replacement Cost” has been evaluated. We offer free reviews and premium quotations with no obligation.


  • Dairyland Motorcycle Insurance can Save you Money   !!!!! By Combining Multiple Discounts, Dairyland may be the Best Deal in Florida. Save up to 7% with Dairyland, when your Homeowners policy is provided by SWFL Insurance Agency
  • Rider Group Discounts for Members of HOG, and some 30 additional groups
  • Special Discounts for Military Rider Groups, both active and retired.


  • Flood Facts…To be considered a flood, the water that causes damage must have covered at least two acres or have affected at least one other property. Also, if your home sustains any mold or mildew damage that you could have prevented from occurring, your policy won’t cover such damage. Additional living expenses and business interruption is not covered.

Call if you have questions.   239-265-9577

  • If you have had a Wind Mitigation Inspection of your home, you may be able to create serious premium savings for years to come by having your roof truss to wall metal connection updated by adding nails. Give us a call to discuss. Every home is different. We will need to review your wind mitigation report, so have it handy when you call. Some of our clients have saved as much as $ 1,000. per year on Homeowners premiums.
  •          Watch for future Newsletters with new topics of interest.
  •          Don’t miss our timely articles on our Blog at

Call  239-265-9577 for Quick Quotes or visit


Providing Auto, Motorcycle, Golf Cart, Home, Condo, Flood, Business Insurance

              Health, Medicare and Life Insurance


    SWFL Insurance Agency, Inc.               SWFL Insurance Associates, Inc.

     Lee County                         8595  College Pkwy, Suite 160, Fort Myers       239-265-9577

     Charlotte County             3718   Tamiami Trail, Unit C, Port Charlotte    941-624-3444

     Collier County                  2500  Tamiami Trail N. Unit 113, Naples           239-649-4442

Umbrella or Excess Liability 101


What is Excess Liability or Umbrella Liability Coverage ?

Available in amounts ranging from one to five million dollars, excess liability coverage increases your personal liability limits by adding protection to your current auto, boat or homeowners policies. Also, if something is not covered in your homeowners policy (like libel), and it’s not specifically excluded in the excess liability policy, you’re covered.

Coverage provided

Excess liability coverage provides:

  • Protection for covered claims by others for personal injury or property damage caused by you, members of your family/household, or hazards on your property for which you are legally liable
  • Personal liability coverage for occurrences on or off your premises
  • An additional layer of protection above your primary auto policy against auto-related liabilities
  • Protection against non-business related personal injury liabilities such as slander, libel, wrongful eviction or false arrest
  • Legal defense costs for a covered loss. Lawyer fees and associated court costs are covered
  • Worldwide coverage- no matter where you go, with the only exception being situations involving foreign ownership of dwellings or cars

How it works

Depending on the type of accident, your homeowners, auto or boat policy liability limits are used up first, then the excess liability policy covers all remaining costs (up to the amounts of coverage you purchased). For example, if your neighbor dove into your swimming pool and broke his neck, your homeowners liability coverage would pay for the first $100,000 in damages. Your excess liability policy would cover the rest (including associated legal fees) up to the one million dollar policy amount that you had purchased.

Most companies require that you carry certain limits on your primary insurance policies (homeowners, auto and boat) in order to receive excess liability coverage. For example, a company may require the following primary liability limits: $100,000 for homeowners, $250,000 per person/$500,000 per accident for auto and $300,000 for boat/yacht coverage.

Some definitions

Insurance products tend to get loaded down with legal-sounding jargon, especially a product that specifically deals with circumstances for which you are legally responsible. Therefore, a few common definitions might help clear up any confusion:

Personal Liability:

Coverage for damages that you are legally liable (responsible) for. This includes incidents occurring at your home and/or caused by you, residents of your household or your pets. Here are some common examples: your dog bites someone, a guest falls down your front steps, your teenage son rough-houses with his buddy and accidentally breaks that friend’s leg!

Personal Injury:

This all-inclusive definition covers many predicaments. Personal injury can take many forms, including: bodily injury, shock, emotional distress, mental anguish, sickness or disease, or death arising from any of the above. Personal injury also means false arrest, detention or imprisonment, malicious prosecution, wrongful entry or eviction, humiliation, libel or slander, defamation of character or invasion of privacy.

Property Damage:

Accidental damage to the property of others caused by you, residents of your household, or your pets.


Often, insurance policies are defined not by what they cover, but by what they don’t. This is especially true for excess liability products. If something is not specifically excluded, you’re covered. Exclusions vary widely by company. Here are some common exclusions:

  • damages expected or intended by insured.
  • damages arising out of business or professional pursuits.
  • liability assumed under contract or agreement.
  • liability arising out of ownership, maintenance, use, loading or unloading of aircraft.
  • liability arising out of ownership, maintenance or use of non-traditional watercraft such as jet skis, air boats or air cushions.
  • liability arising out of ownership, maintenance or use of most recreational vehicles. Only snowmobiles and golf carts are covered.
  • damages to property you take care of, own or use.
  • damages covered under a Workman’s Compensation policy.
  • liability arising out of war or insurrection.

Speak with an independent insurance agent at SWFL Insurance Agency, inc. to determine your specific risk factors and learn more about how to protect your current and future assets. We have Umbrella liability Policies starting at $ 250. Annually. Call us at 239-265-9577 or Email

Umbrella Liability Claims Scenario #4…….More Scary Stuff

The Claimant and Insured have been longtime friends, live on the same street, and the Claimant had been to the Insured’s home on many occasions. The Insured lives in a home with a brick patio which had been constructed in the 1960s. Bricks were replaced one year before the incident. An area of the patio is bordered by an 18 inch retaining wall with a flower bed between the wall and the brick patio.

The Insured, Claimant, and another Friend met at a club, had a few drinks, and all returned to the Insured’s home where they sat on the patio in lawn chairs and continued drinking. At approximately 11:00 PM, the Insured went inside to the kitchen. The Friend also entered the house to call a cab.

When the Friend went back outside, the Claimant was no longer on the patio. He found the Claimant unconscious on the ground on the other side of the patio retaining wall. The Claimant remembers falling, but does not remember how it happened.

According to the Insured, on other occasions when the Claimant had been at the home, a patio table was in front of the retaining wall. The table had been removed, exposing an area of the wall.  The Claimant, age 56, sustained a spinal cord injury which rendered him an incomplete quadriplegic. He underwent surgery and was on a feeding tube for several months. He was able to return home 6 months after the incident, but continues to suffer partial paralysis of his arms and legs. He uses an electric wheelchair to get around his house and requires assistance with some activities of  daily living.

The Claimant owned his own business and was married 1 month before the incident. His wife now cares for him at home. The settlement to the Claimant exhausted the underlying coverage limits and paymentwas made under the personal umbrella.