I am fixing to buy a business and my current insurance company does not cover commercial properties. With that said, is it better for me to get the Umbrella coverage or go separate. I have a home and 2 cars on my current policy but need to find a company that will cover it all. Any suggestion what to do? Thanks in advance

You will need a commercial policy for both liability and property. The umbrella policy requires that you have an underlying policy in place first, then the umbrella kicks in for liability above your underlying policy. The umbrella from your current homeowners insurance will not cover anything for the business.

You'll want to visit a local independent agent that deals with commercial policies. The agent will know what types of policies you will need for the business. They can shop the market for you to find a policy that's best for your situation.