Asset protection requires careful planning. Threats to your assets can come from a wide variety of potential predators, including future creditors and unnecessary taxes. For such planning to be effective, you will need the help of an experienced estate planning attorney sooner rather than later.
Aside from getting the details on an umbrella policy, contact Townsend Allala, Coulter & Kludt at your earliest opportunity. Remember: Asset protection does not work after the fact.