General liability protects business assets from unforeseen accidents resulting in injury or damage to property. The most common need for this coverage personally is for landlords who have more than one or two rental properties. Most homeowner’s carriers will allow the addition of one to three rental properties for liability coverage. Any more than that need to be covered on a separate policy.
Personal Umbrella policies provide an extra layer of protection over and above the coverage provided by your primary liability policies such as auto, homeowner’s liability and recreational vehicles, boats, etc. These limits sit on top of your primary policies and take up where they leave off.