Instruction: The paragraph below is a discussion post from a student. Please help me to write a thoughtful response (100-120 words max) about the following post regarding to insurance topic. Please make a research for information if you need to. Please use “I” when respond to this. Thank you! I have always been intrigued by umbrella insurance. But I never grasped the concept until now. When I shadowed my uncle in insurance agency and saw people purchasing umbrella coverage, I dint quiet get it. It was a rather confusing insurance for me. When you already have property coverage and a general liability coverage, that covers your business, what was the need for umbrella coverage was my question. Then I understood that a personal umbrella policy is designed to provide liability coverage for catastrophic legal claims or judgments. Without broad liability insurance of sufficiently high limits, individuals face the possibility of having assets and/or income seized to pay a legal judgment.