George Daker and Daker Corp. had plenty of insurance when they were sued for an auto accident that killed Ricardo Sweetney II. The company and Daker were both covered under a $1 million business auto policy and $8 million commercial excess liability policy issued by Acuity, a Wisconsin insurer. And Daker had a $1 million personal umbrella liability policy from Illinois-based RLI Insurance Co. After the negligence case settled for $2.65 million, Daker — relying on the targeted–tender doctrine — sent an email to RLI saying …