You might be able to lower your costs further by picking up an umbrella policy, which provides additional liability coverage, said Steve Podnos, a financial planner in Merritt Island, Fla.

佛罗里达州梅恩岛的财务计划师史提夫·博多·诺斯说，你还能通过采用提供额外责任保险范围的保护伞政策进一步减少成本。

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Click on the website of BusinessEurope, the umbrella group for major companies, and read a few of their policy papers.

点击欧洲大部分企业的庇护组织BusinessEurope(欧洲商务)的网站读几页他们的政策文件。

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Buy a personal umbrella policy.

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Rising sea levels, salination of fresh water, droughts, floods... the maths of future climate impacts are inexact, but on a global scale the costs are likely to rise, not fall - and by far more than the costs borne by highly profitable Chinese airlines as they fly inside the EU's climate policy umbrella.

BBC: EU's aviation charge is a drop for China's airlines

As Google has proved with some of their privacy policy controversies, the company likes having as much under one umbrella as possible, and integration is key.

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