Even when it’s not your fault, you may still get sued. Our society is just too sue happy these days. A person may be legitimately at fault, and even ticketed, but still sue the other person just because they can. Doesn’t mean they’ll win but you never know. Also with being a business owner we have gotten an umbrella policy as DR recommends everyone to have. It picks up where your other insurance leaves off. I can’t remember how much we got but it was significant (to us) but costs little compared to the coverage we got.