RAs a business owner, you know there is a litany of insurances you need to protect yourself and your business from various mishaps. There’s home, auto, life, disability, business overhead, general liability, you get the point. We are insurance poor (business owner’s especially). However, there’s likely one insurance in particular that you may not realize you need. Most business owners tend to overlook this particular policy. Some may even dismiss it as an unnecessary expense. In spite of that, I’m going to tell you today that just isn’t true. It’s vital for your security. What insurance am I alluding to? An umbrella policy.