After surviving a few lawsuits myself, I've learned that your General Liability is about the most vital expense in your overhead. We are all vulnerable to lawsuits but if you have your General Liability coverage, you are fearless, someone wants to sue you (they serve you the summons/notice you are not worried because if you cannot dismiss it, at least your coverage will pick up the tab). Insurance limits specifically are so important to read and analyze. You should call your broker and make sure policy is not some "ghost" policy and that they will pay for damages should any occur.
my number is 516-225-5606 if you have any other questions