Excess Liability Coverage with Bloomingdale Insurance Services: Protect What Matters Most

In today’s unpredictable world, a lawsuit, accident, or claim can turn into a financial nightmare if you’re underinsured. That’s where excess liability coverage steps in. At Bloomingdale Insurance Services, we understand that your home, savings, rental properties, and investments are more than just assets — they’re your life’s work.

This is why we proudly offer umbrella insurance solutions tailored to your needs. Whether you’re a homeowner, landlord, or a high-net-worth individual, our coverage options are designed to give you the security and peace of mind you deserve.

What is Excess Liability Coverage?

Excess liability coverage—often referred to as umbrella insurance—is a supplementary insurance policy that provides additional protection beyond the limits of your primary auto, home, or business liability insurance. It is designed to shield your personal or business assets from large claims or lawsuits that could financially devastate you.

For example, if your homeowner’s policy covers up to $300,000 in liability and you're sued for $1 million, umbrella insurance covers the remaining $700,000. This makes it a must-have for anyone concerned about their long-term financial health.

Benefits of Excess Liability Coverage

1. Extends Protection Beyond Standard Policies

Umbrella insurance works by kicking in once your existing policy reaches its limit. This is crucial in high-cost situations like severe car accidents, guest injuries, or legal disputes.

2. Covers Legal Defense Costs

Whether you're found at fault or not, legal fees can be astronomical. With personal liability umbrella insurance, legal defense is often fully covered—even if the claim is groundless.

3. Worldwide Coverage

Whether you're traveling abroad or renting a vacation home, excess liability coverage from Bloomingdale Insurance Services may provide protection even outside the U.S., depending on your policy.

4. Protects from Libel, Slander, and Defamation

This policy isn't just about physical injuries. It also covers personal injury claims related to libel, slander, and reputational harm—ideal for professionals or public figures.

Who Needs Excess Liability Coverage?

If any of the following applies to you, you should seriously consider umbrella insurance:

You own property (especially rental properties)
You host frequent guests or parties
You have a pool, trampoline, or pets
You’re a landlord or business owner
You’re a high-net-worth individual with significant investments or assets

Personal Liability Umbrella Insurance: Peace of Mind for Everyday Life

At Bloomingdale Insurance Services, our personal liability umbrella insurance policies are designed to offer you comprehensive coverage for the unexpected. Whether you're walking your dog or hosting a barbecue, accidents can happen. Our policies ensure you’re not left facing financial ruin over a simple mishap.

This type of umbrella insurance typically includes:

Bodily injury liability
Property damage liability
Legal fees and court costs
Landlord liability
Coverage for false arrest, libel, and slander

Excess liability coverage helps individuals and families live with greater peace of mind, knowing they’re covered in case life throws a curveball.

Umbrella Insurance for Landlords: Rental Protection at Its Best

Landlords face unique risks that standard insurance may not fully cover. From tenant slip-and-fall injuries to lawsuits over property conditions, these situations can be financially draining.

That’s why umbrella insurance for landlords is essential.

Features of Our Coverage for Landlords:

Protection against legal claims from tenants
Coverage for accidents on rental properties
Additional protection for multiple rental units
Protection from liability gaps in standard landlord insurance

With excess liability coverage, landlords can safeguard rental income and personal assets from unexpected claims.

High Net Worth Umbrella Insurance: Elite Coverage for Elite Lifestyles

If you have substantial assets—such as multiple homes, luxury vehicles, or valuable investments—you need high net worth umbrella insurance. Wealth comes with greater exposure, and one lawsuit could threaten everything you’ve built.

At Bloomingdale Insurance Services, our high-limit umbrella insurance caters specifically to affluent clients needing tailored protection plans.

Why High Net Worth Individuals Choose Us:

Extended coverage limits up to $10 million+
Customizable policies
Asset protection planning
Concierge claims service

With excess liability coverage, high-net-worth individuals gain a robust shield against personal liability and financial catastrophe.

Why Choose Bloomingdale Insurance Services?

Tailored Policies: Every client is different, and so are their risks. We customize coverage to match your unique lifestyle.
Local Expertise: Serving Valrico, FL, and beyond with a deep understanding of Florida insurance laws.
Customer-Centric: We pride ourselves on human, compassionate service—not just policies.
Proven Trust: With years of industry experience, our clients stay with us for the long term.

Customer Reviews

Jessica L. – Homeowner in Valrico, FL

"Bloomingdale Insurance Services walked me through everything. I never knew how important excess liability coverage was until I needed it."

Martin R. – Rental Property Owner

"As a landlord, I wanted that extra layer of protection. This umbrella insurance saved me thousands in legal fees after a tenant accident."

Samantha T. – Working Professional

"I was worried about being sued over something ridiculous. Personal liability umbrella insurance gave me peace of mind I didn’t know I needed."

James B. – High-Net-Worth Client

"They tailored my high net worth umbrella insurance policy to include all my assets. Extremely professional service!"

Paula K. – Mother of Three

"Kids can be unpredictable. This coverage ensures I’m protected no matter what happens. Couldn’t be happier with Bloomingdale Insurance Services."

FAQs About Excess Liability Coverage

Q1: What exactly is excess liability coverage?

Excess liability coverage is an insurance policy that provides an extra layer of protection when your primary liability limits (like homeowners or auto) are exhausted.