Ask your insurance agent about an umbrella policy. 

Or, a charging order may be granted.If you're going the umbrella insurance route, perhaps see if it will cover you for several things including just the routine slip and fall (like mold or earthquake).

I'm looking for someone independent who can advise me on the insurance I should have for the individual buildings and then an additional umbrella policy.

I'm starting on my journey as an REI and am hoping someone can help with the legal aspect:1) As I'm reading forums and accumulating everyone's "house hacking" ideas, there's been a conversation about Series LLC: one hand -- Series LLC being good to put each unit into it's own LLC an shield it from your personal assets and other units, but another argument being that Series LLCs are a waste of money because the individual still gets sued anyway) vs an Umbrella policy for my overall net worth, which will provide more liability protection than an LLC would. 

Just get an umbrella policy for your net worth. 1) you are more likely to be sued personally than your property is. 2) any reason that gets your property sued it probably your fault as well. 

Get umbrella insurance.

Get an umbrella policy on the assets and you do not need each single family in a LLC (not an attorney but if they say asset protection, say ok if I am self managing and something happens wont I get sued anyways). 

I spoke to my CPA earlier and he suggested I just do an umbrella policy, especially since CA is money hungry and wants their portion of LLC fees. :-/ Working on my quotes now.

Then add principle, interest, property taxes, insurance (PITI), vacancy, and miscellaneous costs (accountant/tax man including OOS taxes), unexpected utilities (such as for a slab leak, umbrella policy (I divide mine across all units, possibly LLC, office supplies, etc.)).  

@Travis Nachman Some investors don’t use LLCs but just use large Umbrella insurance policies to cover their liability.