Additionally, augmenting your general liability insurance with a commercial umbrella policy can offer a higher level of protection, potentially covering gaps that a personal umbrella policy might not.

That means that all other liens (except local government for things like sewer, demolition, etc) are no longer on the property.

I’m on the board of a small camp in Crofton, NE (near Yankton SD) (~120 beds, 80k budget) and we have had insurance policy adjustments in policy and costs for last 4-5 yrs.

Cajun Underwriters Reciprocal Exchange is not a government program. 

I feel like I can't protect against a situation where I get sued (e.g. someone slips and falls) and they "only" choose to go after the liability insurance on the property's policy, leaving the umbrella policy to pickup anything above/beyond the liability from the STR property. 

First, let me just clarify that my comments below are as a user and not indicative of any BP policy whatsoever - I'm a moderator but also just a guy with houses :)As a guy that was on the original podcast, I'm looking forward to @Dave Meyer's contributions.

It's the government.

I tried filing a claim with 3 different different insurance policies I hold.

Trying to understand the risks and implications of running an Airbnb here and if there are any loopholes to the policies. 

It didn’t make my insurance much more expensive but it did have to be covered by the commercial policy.