For a small-to-moderate risk business, a $5 million commercial umbrella liability policy generally costs between $2,000 and $5,500 annually. For personal lines umbrella insurance protecting an individual's personal assets (home and autos), a $5 million policy is much cheaper, typically running between $300 and $700 per year, provided the policyholder maintains the required high underlying liability limits on their primary home and auto policies.
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