Umbrella Liability Coverage

Umbrella coverage (liability) is necessary because we have a small home business

OK, just for the record, if your agent did not tell you this. . . a personal liability policy does not cover a business. Period. You need an umbrella to cover a commercial enterprise.

You can find another umbrella personal, after a major disaster, however, 1. you'll have to show the company that you have taken steps to reduce the possibility of another claim like that and 2. you'll pay through the nose for this umbrella. From what I paid, I would not be surprised if you paid $ 10,000 per year.

But again, it does not cover business. So maybe you need to sit down with your agent and be sure your business is well covered.

you should be able to, but you must place home, car and nothing else (rec vehicles, rental) with the compnay also. you'll probably end up paying more for your premiums due to the application.

Probably - but you need to have an underlying hedge owner, too. Start asking around for insurance agents and trust of people know and start getting bids.

I assume that your rate will increase, though.

Try RLI USLI or if available in your country. They write policies for coordinating people who do not "fit" the standard policy. USLI wrote losses, PSIS and would also write famous people.