General Liability and Umbrella Policies

[Corey Duran]

Time and time again while on these forums people kept saying just get an umbrella policy. Can anyone explain these a bit more. I asked an agent for a quote and they sent me a general liability and an umbrella policy. Should I get both?

This is what I was quoted if anyone could comment on it.

$750 a year for general liability which I can’t find the details of what it covers. I’ll ask. And then 1M umbrella policy for $600 a year.
Then he says the umbrella is strictly for my company and he can get me one personally..

Am I really going to have to get 3 policies? Can anyone give me some advice/guidance on this stuff and maybe share what you use.