My personal rule of thumb -If Personal wealth + investment wealth < $1M then $2M umbrella policyIf Personal wealth + investment wealth > $1M then $2M umbrella policy and LLCBest,Terrell

If your current Insurance will not increase to $1,000,000 you may be able to satisfy the requirement with an umbrella.  

Get an insurance agent to advise you on Landlord's insurance, Umbrella insurance and Renter's Insurance.

The only thing is i would have a 2-3 million in umbrella policy

Would an umbrella policy protect us from commercial claims if our coverage isn’t enough?

However, is there a way to bundle all of this income and put it under a business umbrella to show consistent income?

Make sure you're covered and have a good liability coverage and umbrella.  

Progressive can back at about 2k and liberty cam back with 1500+500 for umbrella.

If you go this route you may want to consider increasing your liability or getting an umbrella policy.Once you form a company (LLC, Corp, Partnership) generally you have to get a commercial policy.Different carriers have different rates/rules.

The first quote came back at $680/year, but I'd have to add an umbrella policy onto that which should be roughly $120/year for a round $800/year estimate.