Personal umbrella policies are broad but not universal. Standard exclusions across all Southeast carriers include: damage to your own property (that is what your homeowners policy is for), intentional acts like assault or arson, business activities (which require a commercial umbrella), professional liability (doctors, lawyers, agents need separate E&O), workers’ compensation obligations for household employees, punitive damages in some carriers’ forms, dog bite claims from breeds on the carrier’s excluded list, and vacation rental liability without a scheduled landlord policy.
Rideshare and food delivery driving is also excluded unless the underlying personal auto has a rideshare endorsement — a growing coverage gap in Florida and Georgia where gig workforces are large. Punitive damage coverage varies by carrier form in Alabama, Mississippi, and North Carolina. Also see the Louisiana and Tennessee guides for state-specific exclusions. For a national exclusions primer see the III.org umbrella guide. Verify exclusions before binding at bridgewayins.com/quotes or call (877) 418-2484.
