Idea for One Insurance Policy for Everything

How about an umbrella insurance policy for an entire family’s functions – instead of separate policies for car, home, boat, business, etc.  This concept is similar again to computer multi-tasking.  The home or business would select a maximum umbrella amount.  Then, based on the items to insure and their risk of loss – the insurance agent would then figure a price.  Less paperwork and one bill to pay.
Possible Start Building Blocks –

• Existing concepts for various insurance policies, business insurance, other insurance for undefined occurrences, etc.


• USPTO Class/Subclasses for "How-To" ideas – 705/4

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