Part 1 of 5: What is a Deductible Buy-Down ProgramDeductible Buy-Down programs are insurance policies a business/real estate investor can implement in their protection plan to lower the amount of deductible they have to pay when there is a claim made.These are policies which are in addition to the normal coverage plan (property, liability, auto, umbrella, cyber, etc.)Part 2 of 5: How Buy-Down Programs WorkThey are one of many ways a person/business can implement alternative insurance protection.Buy-Downs are added to protection plans to lower out of pocket expenses for the insured at the time of loss (a claim)Example of how a Buy-Down program works:You have a commercial property portfolio.Its insurance policy has a deductible and a premium.

Packaging the home with auto, umbrella, life, etc. 

She advised me to not start a business entity and use a personal liability umbrella policy to safeguard my family.

I have hazard insurance and an umbrella policy. 

You can also look into an umbrella policy that will cover you from $1 million and up.4. 

I have suggested in the past that a good lawyer will be able to pierce just about any corporate veil and a good umbrella liability policy may be a great alternative. 

However, maybe an umbrella policy would be a good idea?

The commercial liability (or umbrella policy if you have less than 4 properties) is the overarching policy that coordinates gaps in all other insurance policy to give you greater protection.  

We bought the property from a large REIT who insures their properties under an umbrella policy.

I tried getting umbrella insurance from Geico.Geico is saying that the seller lead disclosure form is not enough.