Also, most Umbrella Policies only pay out if your underlying policy pays out, and the underlying policy will do everything they can to find an exclusion or that you were negligent (which you probably were) in the cause of action to get out of paying the claim.

Two years ago I had an open-and-shut case of negligence against a CPA.

Do not let this slide, even if the score impact is negligible.

Negligent forest management, drug addicts, or illegals? 

If any damage arises from her negligence she will be getting the bills for damages, plus costs of collecting which you bill as well as your attorney in addition to the termination of her lease.

There is a lawsuit from a company that invested in a deal with someone on BP (not this group) who ironically changed the name of their company after multiple failed deals) that is suing the GP and people personally for negligence because the sponsor did not do what they said they were going to do.

Most new construction deals require you to give up to a 10-year warranty on some items while most fix and flips come with very little extended liability after the sale excluding gross negligence which is not stopped by an LLC in any case.

Liability insurance covers negligence.

Landlord insurance covers the dwelling/property.Renters insurance has liability coverage which might provide you coverage if your tenant is negligent or liable for an accident/damages, etc.You can/should have your tenant list you as an "Additional Interest" on their policy. 

Criminal negligence, that's a thing.