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For those contemplating using personal "umbrella" insurance policies to cover their business venture, you better read the fine print and don't take the word of the agent selling it to you. Most (not all) umbrella policies that are attached to your auto / homeowners polices will not cover business ventures. Every company is different, so read your policy carefully. If it's not clear, get an answer in writing directly from the company underwriting the policy. More likely than not, you'll need to seek out product liability insurance. That's a whole different ball game when you get into anything related to firearms (i.e. holster making).

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