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An umbrella policy on your existing policy may be fine, however I would assume that it will only be limited to incidents involved around your home or residence. Since you will be traveling int would be better to have a separate General liability policy.
A simple business operations policy, this policy responds to covered lawsuits alleging bodily injury, property damage, personal injury, and advertising injury arising from premises, operations, products, and completed operations of the small business owner. This policy provides an attorney for legal defense and will pay up to the policy limits in the event of settlement or an adverse jury verdict. The General Liability policy covers the insured business itself and respective owners, directors, officers, employees and volunteers while acting within the scope of their official duties
if what they mean by errand and concierge is what you will be doing than that is fine, a generic policy is ok, however what you will be doing is traveling, and minor work where liability will be limited to small amounts if any, so your company may be best. If your business expands do consider the other business policy.
Regardless of what you choose consider creating a corporation and run your business through the corporation, so any lawsuits would be only against your corp. not you and you will have limited if any liability,.
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