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Posted: **Fri Feb 29, 2008 2:09 pm**

Hi,

I have a client that owns a 2 unit rental property in CA. Right now she has 500,000 liability coverage for the rental property. She wants to increase the liability coverage to $1 million, but 500K liab is the highest that the insurance carrier can go.

She lives with her parents right now in CO. Do you have any suggestions?

Thanks in advance.

Posted: **Fri Feb 29, 2008 4:09 pm**

What about placing an umbrella over the rental?

Posted: **Sat Mar 01, 2008 10:10 am**

Don't most umbrella's require an underlying primary residence?

Posted: **Mon Mar 03, 2008 3:31 pm**

If it's a personal umbrella, yes, but in this case, you could likely get a Commercial umbrella, since the exposure is commercial in nature.

Posted: **Mon Mar 03, 2008 7:44 pm**

This client has underlying liability limits of 500,000. Do you know of a carrier that will accept this? Most commercial umbrella's that i've seen require 1Million.

Posted: **Tue Mar 04, 2008 10:13 am**

Steve32,

I just sent you a personal mesage. Give me a call later.

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