Newest Posts External Links | MarketplaceUmbrella Policy QuotePosted on April 18, 2011.  What should a company seal small salary to an insurance umbrella $ 4,000,000? 1 year in business W/30 years of experience. We have no employees and only two owners doing the work. A single vehicle. @ $ 200,000 in business a year. We quoted $ 17,000.00 for a $ 4 umbrella factory. This seems very high for me. Ah, but you see, you're an entrepreneur. We must therefore ensure not only you but all submarines uninsured. And the decline is a total loss of the building, which can be evaluated - and covered - up to $ 5,000,000. When working on jobs for big clients, they have the lawyers draft business model contracts that transfer risk more of themselves to you and in turn they need huge limits. 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