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	Sample Question for Umbrella and Excess
	An insured who owns a contracting business:  A: should buy a personal umbrella or excess policy for his personal exposure and should buy a commercial umbrella or excess policy to cover his business risk  B: needs either a personal umbrella or a commercial umbrella  C: should endorse the business as an insured onto his Homeowners policy and umbrella/excess policy  D: will normally get a discount if he insures both the household insurance and the business insurance with the same insurance company
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