If a customer requires me to have an umbrella, how long do I need to keep it?

Some contracts, particularly in construction, may require a subcontractor to carry an umbrella for as long as five years even though the two parties may not be continuing their business relationship. An insurance company that adds an umbrella will require it to be in the policy until the renewal. However, it is up to the customer to notify the company if they wish to discontinue it. This should come after a conversation with entity that originally required the umbrella.