An Excess & Surplus Lines MGA in Clearwater, FL

Personal Umbrella & Excess Liability

personal umbrella liability

Sometimes accidents occur where the liability exposure exceeds the coverage limits on Homeowners and Auto policies. Some exposures may be exlcuded by the primary policies altogether.

This is where we come in. Clearwater Underwriters offers Personal Liability products to help bridge the gap and provide an extra layer of protection to your assets.

We offer the following:

  • Personal Umbrella Policy
  • Excess Comprehensive Personal Liability Policy
  • Farmers Comprehensive Personal Liability
  • Comprehensive Personal Liability Policy

All policies are written on A+XV paper. For any questions or assistance with Underwriting please contact Denise Read at ext. 155 or [email protected]

Online Applications are available in Agent Resources.

Severe Weather Bulletin - Moratorium

During Hurricane Season, agents may not bind applications for new coverage or policy changes for increased coverage, regardless of effective date, when a tropical storm, hurricane watch or warning has been issued by the National Weather Service for any part of the state of Florida or the Southeast region of the United States.


Due to the Florida market conditions, we will no longer be writing mobile home dwelling policies in 2022.