Doooh, if all you’re worried about is “a couple mill” in liability, it doesn’t cost more than a few hundred dollars a year to cover yourself with an umbrella/PEL policy if you haven’t already done so. An umbrella policy extends over the liability limits of your underlying car/home policies to cover excess liability up to a specific insured amount. For example, I think ours covers us for $5 mil in excess liability yet it’s only about $300 in annual premium, if I recall correctly. Allows us to sleep better at night, especially with a teenage driver in the house. Knock wood.