My insurance agent suggested liability umbrella over my vacation rental property, "life," and my single family long term rentals with American Alternative Insurance Corporation. They are rated A+ on Best but google reviews terrible.... i mean really terrible. I have already discovered they don't answer their phone, don't have website account access and don't take credit cards. But their rates are so good. Anyone have any experience with them? Anyone have companies they like that can offer a liability umbrella for everything: day to day life, vacation rentals and long term rentals?
My insurance brokerage works in all 50 states and has an umbrella product it seems you're looking for. I'll send you a PM.
@Richard Snyder I have never heard of them, but sounds like a hedge fund back insurance carrier looking to do everything through automation. That usually translates to low cost low touch. Not the right fit for all clients.
An Umbrella for what you are looking at should be $300 per year for $1M, maybe $450 for $5M.