TBT: Ask Marco - How to Best Insure Using Umbrella Insurance?
Thu Feb 05 2026
Click Here for the Show Notes
In this episode of Ask Marco, we dive into a question every serious real estate investor eventually faces—but few truly understand: how umbrella insurance actually works inside a real asset protection structure. Listener Shaw lays out an impressive setup with multiple LLCs, holding companies, trusts, and layered insurance, then asks the big question: should umbrella coverage live at the LLC level, the holding company level, or both? Marco breaks it all down in plain English—personal vs. commercial umbrella policies, how they “stack” on top of primary coverage, why common ownership matters, and how to simplify even the most complex multi-state, multi-entity portfolios without leaving dangerous gaps. If you own multiple properties, use LLCs, or are scaling your portfolio and want to protect what you’re building the right way, this episode is packed with practical insights you don’t want to miss.
🎧 Listen now, and make sure your insurance strategy is working with your asset protection plan—not against it.
--------------------------------
Throwback Thursday Episode (The episode originally took place in the year 2020)
This episode is part of our Throwback Series and may include references to older content such as web classes, events, promotions, or links that are no longer active or available. While the conversation and insights still hold value, please note that some information may be outdated.
--------------------------------
If you missed our last episode, be sure to listen to How Investors are Making New Construction Cash Flow Today
Download your FREE copy of: The Ultimate Guide to Passive Real Estate Investing.
See our available Turnkey Cash-Flow Rental Properties.
Our team of Investment Counselors has much more inventory available than what you see on our website. Contact us today for more deals.
More
Click Here for the Show Notes In this episode of Ask Marco, we dive into a question every serious real estate investor eventually faces—but few truly understand: how umbrella insurance actually works inside a real asset protection structure. Listener Shaw lays out an impressive setup with multiple LLCs, holding companies, trusts, and layered insurance, then asks the big question: should umbrella coverage live at the LLC level, the holding company level, or both? Marco breaks it all down in plain English—personal vs. commercial umbrella policies, how they “stack” on top of primary coverage, why common ownership matters, and how to simplify even the most complex multi-state, multi-entity portfolios without leaving dangerous gaps. If you own multiple properties, use LLCs, or are scaling your portfolio and want to protect what you’re building the right way, this episode is packed with practical insights you don’t want to miss. 🎧 Listen now, and make sure your insurance strategy is working with your asset protection plan—not against it. -------------------------------- Throwback Thursday Episode (The episode originally took place in the year 2020) This episode is part of our Throwback Series and may include references to older content such as web classes, events, promotions, or links that are no longer active or available. While the conversation and insights still hold value, please note that some information may be outdated. -------------------------------- If you missed our last episode, be sure to listen to How Investors are Making New Construction Cash Flow Today Download your FREE copy of: The Ultimate Guide to Passive Real Estate Investing. See our available Turnkey Cash-Flow Rental Properties. Our team of Investment Counselors has much more inventory available than what you see on our website. Contact us today for more deals.