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Find Umbrella Insurance Agents Near You in Florence, KY

Browse umbrella insurance agents serving Florence, Kentucky. Updated 2026-07-14.

The top-rated umbrella insurance agent in Florence, Kentucky is Rollins Insurance, rated 5.0 stars across 611 reviews. Other highly rated options include Broker Brothers & Co., Randy Watkins at Comparion Insurance Agency, Amber Ison at Comparion Insurance Agency. This directory lists 22 umbrella insurance agents serving Florence.

Showing 22 umbrella insurance agents in Florence, KYListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Rollins Insurance7000 Houston Rd STE 8(859) 781-7283
2Broker Brothers & Co.1521 Cavalry Dr Ste 201(859) 207-7738
3Randy Watkins at Comparion Insurance AgencyExecutive Center, 500 Meijer Dr #207(859) 594-6697
4Amber Ison at Comparion Insurance AgencyExecutive Center, 500 Meijer Dr #207(859) 594-6690
5C.K. Ash Insurance8620 US-42(859) 384-5200
6Shepherd Insurance234 Main St(859) 371-7006
7Barnes Insurance Group7600 Dixie Hwy(859) 586-8055
8Adkisson Insurance Agency1511 Cavalry Dr # 101(859) 341-2663
9Mitchell Insurance Agency7711 Ewing Blvd #400(859) 525-4006
10Crescent Insurance LLC6901 Burlington Pike(859) 283-5433
RI
7000 Houston Rd STE 8
Rollins Insurance
Umbrella Insurance Agent · Florence, KY

Rollins Insurance serves homeowners and businesses in Boone County and the surrounding northern Kentucky area from its Florence location. As an umbrella insurance agent, the company helps clients obtain additional liability coverage that extends beyond the limits of standard homeowners or auto policies. This extra protection covers claims that might otherwise threaten personal assets. The agent works with local carriers to match policyholders with appropriate coverage gaps. When clients need higher liability limits, Rollins Insurance secures umbrella policies that handle major lawsuits or significant property damage claims.

BB
1521 Cavalry Dr Ste 201
Broker Brothers & Co.
Umbrella Insurance Agent · Florence, KY

Broker Brothers & Co. provides comprehensive umbrella insurance agent services for clients in Florence, KY, offering guidance on additional liability coverage that extends beyond standard home and auto policies. Their service approach includes evaluating individual risk profiles to recommend appropriate policy limits and assisting with claims coordination. Maintenance plans focus on periodic policy reviews to ensure coverage adapts to changing client circumstances. They service a variety of properties, including single-family homes, apartments, retail spaces, and restaurants.

RW
Executive Center, 500 Meijer Dr #207
Randy Watkins at Comparion Insurance Agency
Umbrella Insurance Agent · Florence, KY

Randy Watkins at Comparion Insurance Agency serves homeowners, businesses, and property managers across Florence, Kentucky, offering umbrella insurance policies to provide additional liability coverage above standard limits. These policies help protect assets from major claims or lawsuits that might exhaust underlying insurance. As a local resource, the agency guides clients in evaluating their exposure and selecting appropriate extra coverage. It also addresses needs for those with rental properties or higher net worth. Its service area extends to surrounding communities such as Union and the broader Boone County region.

AI
Executive Center, 500 Meijer Dr #207
Amber Ison at Comparion Insurance Agency
Umbrella Insurance Agent · Florence, KY

Amber Ison at Comparion Insurance Agency in Florence, KY offers umbrella insurance on a one-time basis to secure a single policy, or through scheduled renewals for ongoing liability coverage that extends beyond standard home and auto limits. This service protects policyholders from major financial loss due to accidents or lawsuits exceeding their underlying insurance. Service runs on either a one-time purchase option or a scheduled renewal basis as needed.

CK
8620 US-42
C.K. Ash Insurance
Umbrella Insurance Agent · Florence, KY

C.K. Ash Insurance provides umbrella liability insurance to clients in Florence, Kentucky, as well as the surrounding communities in Boone County and the greater Cincinnati metro area. The agency handles policies that offer extra personal liability coverage beyond standard home and auto limits. It approaches each job by first reviewing a client’s existing primary policies to identify potential coverage gaps. It then customizes an umbrella plan to address those specific financial exposures, working to ensure sufficient protection against major claims.

SI
234 Main St
Shepherd Insurance
Umbrella Insurance Agent · Florence, KY

Shepherd Insurance offers specialized umbrella insurance services in Florence, KY, providing extra liability coverage beyond standard policies. The agency also handles general insurance needs for individuals and families throughout the local area. These policies add a layer of financial protection for assets and future income. A common concern they address is the increased liability risk during winter months, when icy sidewalks or driveways can cause injuries and lawsuits, making additional coverage especially valuable for homeowners in the region.

BI
7600 Dixie Hwy
Barnes Insurance Group
Umbrella Insurance Agent · Florence, KY

As spring storms bring hail and heavy rain to Boone County, homeowners in Florence often find gaps in their standard coverage. Barnes Insurance Group offers umbrella insurance policies that provide additional liability protection beyond existing home and auto limits. Their knowledgeable team works with clients to assess risks such as pool ownership or home-based businesses. An agent carefully reviews current policies to identify vulnerabilities, then recommends appropriate coverage amounts. The process begins by scheduling a complimentary liability review and discussing your assets and daily activities.

AI
1511 Cavalry Dr # 101
Adkisson Insurance Agency
Umbrella Insurance Agent · Florence, KY

Adkisson Insurance Agency in Florence, KY, serves residential clients seeking personal umbrella coverage to extend liability protection beyond standard policies. The agency also assists commercial clients in safeguarding their business assets with similar excess liability policies. Service is provided throughout the Florence area and the wider Northern Kentucky region. Clients can rely on the agency for follow-up or repeat service between regular visits, ensuring their coverage remains appropriate as their personal or business circumstances evolve.

MI
7711 Ewing Blvd #400
Mitchell Insurance Agency
Umbrella Insurance Agent · Florence, KY

Mitchell Insurance Agency in Florence, Kentucky, provides standard liability coverage and specializes in umbrella insurance policies that extend protection beyond primary limits. This additional layer of coverage safeguards individuals and businesses from major claims and lawsuits. The agency works with clients in the region to address risk exposure for personal and commercial assets. It serves a variety of commercial sectors, including offices, warehouses, and food service operations, tailoring policy options to meet distinct needs within each category.

CI
6901 Burlington Pike
Crescent Insurance LLC
Umbrella Insurance Agent · Florence, KY
GI
7430 US-42 Suite 207
Garner Insurance Agency
Umbrella Insurance Agent · Florence, KY
(859) 283-5151
garner-ins.com
CI
1521 Cavalry Dr Ste 204
Cast Iron Insurance
Umbrella Insurance Agent · Florence, KY
(859) 982-0004
castironinsurance.com
AS
6614 Dixie Hwy ste b
America's Trusted Insurance Group ( ATIG ) Your Local Independent Insurance Agency
Umbrella Insurance Agent · Florence, KY
(859) 371-8999
myatig.com
SM
Executive Center, 500 Meijer Dr #207
Steven McCarthy at Comparion Insurance Agency
Umbrella Insurance Agent · Florence, KY
(859) 488-0757
comparioninsurance.com/insurance-agent/kentucky/florence-0843/steven-mccarthy
CI
7297 Burlington Pike
Covenant Insurance Agency
Umbrella Insurance Agent · Florence, KY
(859) 331-5333
covinsure.com
RC
7711 Ewing Blvd #400
Ralph Chaffin: Mitchell Insurance
Umbrella Insurance Agent · Florence, KY
(859) 760-9193
facebook.com/InsuranceinFlorence
SP
7205 Dixie Hwy
Safe point Insurance Florence
Umbrella Insurance Agent · Florence, KY
(859) 208-2753
progressiveagent.com/agents/kentucky/florence/heiss-insurance-agency-llc
CI
5915 Centennial Cir Suite B
Cornerstone Insurance
Umbrella Insurance Agent · Florence, KY
(859) 586-8580
cornerstoneinsllc.com
TI
51 Cavalier Blvd
Trusted Insurance KY LLC
Umbrella Insurance Agent · Florence, KY
(859) 365-2119
II
7000 Houston Rd STE 26
Independence Insurance, Inc.
Umbrella Insurance Agent · Florence, KY
(859) 341-7341
ind-ins.com
AI
7100 KY-842
Abstract Insurance Co
Umbrella Insurance Agent · Florence, KY
(859) 657-9826
IG
6823 Burlington Pike
The ICON Group Insurance
Umbrella Insurance Agent · Florence, KY
(859) 474-5983

What Does an a Umbrella Insurance Agent in Florence Cost?

Umbrella insurance in Kentucky typically costs between 150 and 300 dollars per year for one million dollars in coverage. Additional million dollar increments may cost 75 to 150 dollars each. Premiums vary based on your driving record, number of properties, and claims history. This is general information and not insurance advice.

About umbrella insurance agents in Florence

Umbrella insurance agents in Florence Kentucky help you add a layer of liability protection beyond your home and auto policies. Kentucky law requires minimum auto liability limits of 25/50/10 but a personal umbrella policy can cover excess claims and certain lawsuits. Local agents can explain how umbrella coverage interacts with Kentucky's comparative fault rules.

Frequently Asked Questions

What does an umbrella insurance agent in Florence do?

An umbrella insurance agent in Florence helps you assess your liability risks and find a policy that covers claims above your primary insurance limits. They review your assets and recommend coverage amounts that fit your situation.

Do I need umbrella insurance in Kentucky?

Umbrella insurance is not required by Kentucky law but is recommended if you have significant assets or face higher lawsuit risks. Kentucky follows a pure comparative fault rule which means you could be liable for damages even if you are only partially at fault.

How much umbrella coverage should I get in Florence?

Most agents suggest starting with one million dollars in umbrella coverage. The right amount depends on your net worth, income, and lifestyle. Your Florence agent can help you evaluate your specific needs.

Umbrella Insurance Agents in Other Kentucky Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each umbrella insurance agent's credentials and current standing with your state Department of Insurance.