Any recommendations for Umbrella insurance providers for each partner to cover any liability?

Adding in the layer of not being on the loan but holding title just sounds like it will eventually lead to problems like OP experienced.

This ensures a clean transition of ownership and responsibility for insurance purposes.

@Ana Escudero Property insurance renewals have been challenging the past few years, but there’s some stability with carriers heading into 2025.

if anything then I would set a flat fee to pay them for their service and then if you do find a property that offers buyers agents money, in which almost all I have seen still do...then I would have the title company back out the amount you decided on and the agent gets the remainder of the amount of commission that's left over. 

Our entire network of agents, title companies, insurance, conventional lenders, private lenders, and many others come together to make this an enjoyable experience.

Knob and tube is very difficult to insure. 

They are DESPERATE to find insurance and are striking out everywhere!!

And you know who sells SubTo insurance?

If your insurance coverage isn't enough, they could seize the LLC assets, but not your personal assets.Additional thoughts:1.