Have you covered every contingency? It may seem like a lot, but there are 6 different types of insurance policies you should have as a part of your financial plan. Here's why - Living on Fifty http://www.retiredby40blog.com/2016/07/11/9-different-types-of-insurance-policies-part-financial-plan/
Why You Need Umbrella Insurance - The potential damage to your personal finances after getting sued, even if you win the case, can be devastating. Often times, your insurance company will settle a case for you, but you could quickly find your rates rising or your coverage being canceled altogether. One way to protect yourself from a potential lawsuit swamping your liability coverages on your insurance policies and reaching into your own pockets for the rest is to purchase umbrella insurance.
Government of India is planning to offer Rs 2 Lakh Umbrella Insurance for 3 Years to the Jan Dhan Account holders.
Many people have the mistaken impression that umbrella insurance is only for the wealthy, but that’s not true. Personal finance specialist and CPA Mitch Freedman says, “As long as you can earn a livelihood, you should have an umbrella liability policy.” http://www.investopedia.com/articles/personal-finance/062415/3-reasons-get-umbrella-insurance.asp
Lawsuit claims high levels of arsenic found in some California-made wines - CBS News ... the article also mentioned apple juice and rice, I have no personal knowledge of any of this, but I think it's worth looking into