re: Any advice on a Personal Liability Policy vs an Umbrella?

If you have home, auto, atv, rental Propeties, ect insured properly under your personal name then you would have personal liability insurance coverage on each of those policies. There would be no need for a separate individual personal liability policy. The Personal Umbrella Policy would then put all these policies and their limits under its cover and add additional coverage if those policy limits are exhausted.

It any of your property is owned by a business then the same should hold true about the business liability on those policies. Your business may be labor only and you would then hold a business liability policy. Either way you can have a Business Umbrella Policy which would then put all these policies and their limits under its cover and add additional coverage if those policy limits are exhausted.

Business umbrella will not cover personal property and personal umbrella will not cover business property.