I think you would have a hard time defending against that charge of discrimination.

Oh yeah the umbrella provides the attorneys to defend their part.

If the PM is listed as additional insured then the insurance company must defend both of you in court on the liability claim.

And the sale was postponed with defendant adjourn for 4 weeks ( In NJ defendants have this option to adjourn for 4 weeks) .

He actually gave some good examples of how an umbrella will not cover you and I would highly recommend that episode.The basic premise is that an umbrella policy will sit on top of your general liability policy and it's an extra bucket of money that is available to defend yourself (or entity in this case) as well as to settle a lawsuit. 

Lastly, (and I'm not defending the PM) but just as a point of reference; It does sound like the PM wasn't doing their job but that being said lets look at the big picture behind your complaint.

I would just straight up ask him to defend his criteria. 12 months- Maybe there were no sales recently?

Therefore, I will not defend it.Passive income is fantastic and there are also many methods to that.  

But I'd make sure I could defend myself in small claims court which may be difficult without a lease unless anything you withheld money for is glaringly obvious.

My lease forbids subletting or substitution and I would vigorously defend it.