Ever been caught in the rain without an Umbrella? You get cold and wet and ultimately it leads to a bad day.
Well, if you are caught in the middle of a claim and you don't have enough insurance it's way worse than being caught in the rain. You could lose your business and possibly personal assets if your liability insurance is inadequate. It's important to discuss with your insurance broker everything that you have at risk so that you can ensure that you have adequate liability insurance. If your underlying limits aren't enough consider purchasing an Umbrella or Excess Liability Insurance policy.
Don't get caught in the rain without protection...