Thanks for your response. Oddly, my experience is that each additional million of coverage, for my personal liability policy, is more expensive than the prior million. My experience with commercial liability policies is exactly the opposite. The difference may be that insurers impose limits above which they are not willing to write. In the commercial context, that means umbrellas on top of umbrellas. In the consumer context, I suspect that far fewer insurers are willing to write excess coverage, with the result that premiums increase to reflect reduced competition. Additionally, in the commercial context, it is realtively easy for an insurer to understand and quantify a risk. With consumers, there are too many unknowns that significantly change a risk profile. In my case, it might be easy for an insurer to imagine that I spend all my time driving fast cars and boats (not referring to the boat in my profile pic, which rarely exceeds 10 knots, but instead a 60+ mph bass boat with a 150 hp motor and a 55+ mph pontoon boat with a 200hp motor) and several jet skis and snowmobiles and off road vehicles, etc., notwithstanding my impeccably clean driving record, claims history and background generally. As a result, $15M of umbrella coverage costs me a pretty penny, increasing it by another $10M would more than double the premium. I have tried to suggest that they write the additional coverage with a self retained limit of, say $2M (so that if there was a claim of, for example $20M, I would be liable for $2M (and thereby be highly incentivized to avoid significant risks) before they have any exposure. Unfortunately, from what I have seen, insurers are far less creative and flexible in the consumer market than they are in the industrial market.