Thanks for the feedback. A few comments:

Liability Umbrella's are only for liability - car accidents, someone slips and falls in your yard and sues, etc.

HIPPA where I live will take people if all else fails. It isn't very good coverage, and is expensive, and has limits, but it is probably better than many other alternatives. It is a state issued and subsidized policy, not issued by a regular carrier. It only forces regular carriers to take you on if you are deemed to be too healthy for HIPPA itself.

I have so far learned that in the good old days if you belonged to a professional organization, such as those available to Lawyers, CPA's, Engineers, you could get group coverage through them. However now it seems as most if not all of those choices are gone. Insurance companies are cutting them off to cut exposure. You now must be an employee or own a business with employees to qualify. Anyone know more about this?