It's an insurance agent!

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

Our actual carriers used to be Secura, but they seem to be getting out of a lot of insurance lines or pricing so high as to have customers drop off, and we just moved policies in Nov. to Hanover Insurance. 

@Chungying ChuIf you want more liability coverage, ask your insurance company if you can increase it.

We don't rely on insurance, they love to deny.

Regarding insurance adding additional umbrella insurance is great idea. 

Insurance-  replacement costs.  

I imagined that to mean that a 1920 home with no renovations would cost more to insure than one updated to 2024 specifications.Is this something that is just "known" to flippers/renovators and I am just coming across it?

SIGNED STATEMENT OF INSURED AS REQUIRED BY SECTION 3905.33 OF THE OHIOREVISED CODEThe named insured ___________, acknowledges that the insurance policy (other than life insurance) as described above is to be placed with an insurance company not authorized to do business in Ohio.The insured understands that the insurance company is not a member of the Ohio Insurance Guaranty Association and that Chapter 3955. of the Ohio Revised Code is not applicable to claimants or insureds of said insurance company.

It's not an insurance company/carrier.