Harold, age 29, lives in Beverly Hills, California. He owns a popular restaurant and night club, and his estimated net worth is $3.5 million. He drives a 2012 Infiniti 130 automobile. His automobile coverage follows:

Auto and Umbrella Policy Status
	Infiniti 130 Car, 2012
Policy number	0123456
Class	6A
Vehicle Description	Infiniti, G20 4D SED
Total Premium	1180.08
Covered Date	8-1-12
Birthdate	3-121-55
Bodily Injury Liability (A)	100/250/50
Limited Property Damage B	500 limit
Comprehensive Deductible	100
Collision Regular Deductible	500
Uninsured Motorist	100/300
Underinsured Motorist	Not part of policy
Umbrella	none

Based only on the information provided about the client, what specific recommendations would you suggest for improving his coverage? (Describe your recommendations and your rational.)