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Personal Umbrella Insurance in Naples, FL
That extra bit of cover from life’s most unpredictable events

Surpassing the Limits of Traditional Insurance

The direct and indirect costs of an accident can add up quickly. Personal Umbrella Insurance (PUP) policies are the protection you’ll rely on the most when you or a family member finds yourselves at fault in a large liability claim. As its name implies, personal umbrella insurance goes beyond the limits of your base home, car, and property insurance policies coverage and pays for any added liability or costs that the first can’t pay, protecting everyone from even the stormiest of days.

Affordable Umbrella Coverage for You and Your Dependents

Protect those you love safely and inexpensively. You can trust that umbrella coverage will be there to protect your non-business interests and dependents for very little cost on top of your base insurance policies. And the best part about umbrella insurance is that it also travels with you and your dependents wherever you or they go anywhere in the world, giving you the ultimate peace of mind.

If you already know that umbrella insurance is right for you, all that is left to do is select the right policy for your lifestyle and goals. With over 4 decades of experience in the insurance industry, we are confident that we can find you a policy solution that will fully cover your responsibilities in a future life-changing event or accident.

More Than Just A Policy

Our comprehensive plans protect and stay with you wherever you should wander.


The situations that umbrella insurance policies typically cover include:

Property Damage

This coverage reimburses others for damage to their residences and belongings that you, a dependent, or a pet may have caused. It does not cover losses incurred to your own properties.


This coverage reimburses others for medical expenses, pain and suffering, or end of life costs after an accident or event that you, a dependent, or a pet may have caused. It does not cover your own medical expenses.

Legal Fees

This coverage reimburses you for legal costs and attorney fees in the event of a lawsuit or legal process that ensues as a result of an event in which you are found liable.

Your Local Insurance Agency

A Local Name You Can Trust For All Your Insurance Needs

he Muzzi Group is more than an insurance brokerage. We’re our clients’ strongest advocates and most dedicated advisors, helping them reach the levels of protection they need to keep their families and properties safe since 1977. By working with us, you’ll always have access to:

Affordable Rates

Policies to fit every budget, every time. That’s the Muzzi Group guarantee!

Great Savings

We scour the market for the best deals and discounts, so you won’t have to.

Vehicle Protection

Giving you everything you need and nothing you don’t in your property coverage plans.

Comprehensive Coverage

Create the perfect liability umbrella by mixing and matching plans and providers.



Questions? Consult our handy FAQ to get even more in-depth information about the following insurance topics:

Does umbrella coverage pay for my medical expenses or those of my dependents?
No. Umbrella coverage pays for injuries caused to other parties if you are found liable, not your own expenses.
How does an umbrella policy work?
Umbrella policies work as extra liability coverage that can be added to your primary personal auto or personal homeowners insurance policies. If you only have $500,000 in liability being paid, but the damage exceeds that amount, your PUP will cover the excess loss.
Is umbrella insurance expensive?
No. Costs may vary depending on your coverage selections, but generally umbrella insurance is considered a highly affordable insurance option.
Is this insurance only for millionaires?
No. Umbrella insurance is for anyone who wants to protect their assets, income, and property from the high and unexpected costs that may arise after an unfortunate event or accident.

What Our Customers Say

Learn more about us from our satisfied customers’ experiences. 
  • Grasshopper Group Accountant

    Choosing the right insurance coverage for my growing family had never been as easy as it was when I contacted the Muzzi Group, and I don't plan on going back!

    The Wilson Family
  • Grasshopper Group Accountant

    After shopping around for commercial insurance online and from other brokers, I was able to secure the cheapest quote fromThe Muzzi Group II Inc with the desired benefits for my business. I would recommend The Muzzi Group II Inc.

    David Thontron
  • Grasshopper Group Accountant

    When you operate and own a small business, every cent counts. So I appreciate the fact that I found an insurance broker that doesn't just care about making a profit, but also about my business' bottom line and safety in case things go south. Knowing they've got my back is priceless.

    Maximum Movers
  • Grasshopper Group Accountant

    The weather here is unpredictable. The only way you can protect the things that matter is by finding trusted insurance broker who will be with you every step of the way, and that's what the Muzzi Group is for me.

    Alan P

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