Asides from the basic coverage and add-on’s there are certain policy enhancing measures offered called umbrella policies that can take care of excessive needs. For example your facility or manufacturing office is damaged by an earthquake and there is a need to tear down the structure, the basic policy can cover some losses in terms of equipment and add-on coverage for earthquakes takes care of the rest. But if the damage is so severe that your needs or prescribed limits have been exhausted, the umbrella policy takes over giving another layer of protection. It will cost you more in terms of premiums and it would surely add to the demands on your already streched cashflow but with uncertain economic conditions, better to be prepared than sorry.