Umbrella Policy

A liability policy with high limits. Provides coverage for losses above the liability coverage limits of an underlying policy or policies such as homeowners and auto insurance. Coverages are often broader than those underlying policies and vary from insurance company to insurance company. Unlike the underlying policies a deductible, or retention, is usually applied to a loss before a loss payment.


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Southern Insurance & Risk Management Services, Inc.
1395 South Lotus Drive.
Suite A.

Dunedin, Florida 34698
Phone: (727) 734-3433
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