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The problem with an umbrella *policy is the exceptions. I was going to buy a policy and went throught the three most likely scenarios that I felt were likely for me being sued. All three were under the "exception- we don't cover" clause.
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I'm curious: what are the exceptions you are referring to?
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"And Jesus spake, 'Become thou now fishers of adjustable rate mortgages'" - New Conservative Bible
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