re: Car Insurance

Yeah our underlying is 300/500. No we don't carry commercial auto, but her car and mine are partially used for business, and our financial advisor recommended the umbrella so that in the event something happened, either during normal business or otherwise, that we would have a large cushion in our insurance before we had to cut into our assets like the business. Also, part of the contract I signed with my last broker (oil & gas) required me to carry $1,000,000 liability policy, and an umbrella was MUCH cheaper than a commercial policy.