.- EDP / Computer coverage / Cyber LiabiltiyThe Umbrella policy is designed to give additional liability coverage that kicks in when the limits of the underlying policy(ies) are exhausted.

BUT this couple has a NEW 2019 OLED 85inch TV & an array of very expensive computer/gaming setups. 

Somebody sitting at a computer in a far-away place then decides if your dumpster was properly filled. 

You just need to sit at your computer for hours every day and figure that out yourself.

@John Underwood, I opened my first computer business when I was 16years old.

The minors lost clothing, toys, television and computer games, etc, etc. so the kids are filing suit individually.

@Peter VekselmanIt’s always buyer beware and blows my mind that people will spend a week googling what type of coffee maker, computer, tv or clothing but when it comes to signing up for a guru they literally do no background research With the amount of info in the internet today, I do not feel much sympathy for people who spend five figures on a two day training and are upset because they didn’t leave the training with ability to 10x their investment.

Computer algorithms can be fairly accurate, or wildly innaccurate.

Also, I was worried about using only an online application, but it was a good way to make sure potential candidates were comfortable using the computer. 

I use the desktop version, but I wouldn't use it for 3 units.