When you work in one of the most dangerous professions around – as the construction business is – you’re constantly walking a tightrope of risk. A catastrophic accident can easily generate claims that go way beyond anything your standard CGL policy will cover. Without an added layer of protection, litigation and settlements from a catastrophic event can quickly eat up your profits – even put you out of business. You already know that an excess liability or “umbrella” policy can give you that extra protection. But how do you decide how much you need? How do you know how big your umbrella needs to be?