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You may wish to inquire about an umbrella policy as well, if your GL coverage is so cheaply priced, make sure it has $1,000,000 occurrence/$2,000,000 aggregate limits, and then maybe go for a 3 or 5 million umbrella over it.
An insurance policy nowadays will hit its occurrence limit very quickly, and once that aggregate is exhausted, there is no more coverage for that policy period.
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"Every man alone is sincere; at the entrance of a second person hypocrisy begins." - Ralph Waldo Emerson
"People demand freedom of speech as a compensation for the freedom of thought which they seldom use." - Soren Kierkegaard
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