Estimate your liability.
Take this short quiz to see a preliminary estimate of the liability coverage amount that may be appropriate for you.
BEGIN ESTIMATE
Results provided by our Liability Coverage Estimator are intended to be used only as a guide. Speak with a qualified insurance broker about
your unique risk factors before deciding on the optimal liability coverage amount for you.
BEGIN ESTIMATE
How many automobiles
do you own?
0
0
1
1
2
2
3
3
4+
4+
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QUESTION OF
14
1
Results provided by our Liability Coverage Estimator are intended to be used only as a guide. Speak with a qualified insurance broker about
your unique risk factors before deciding on the optimal liability coverage amount for you.
How many luxury, exotic, and/or high performance automobiles do you own?
Driving a high profile automobile can bring increased liability risk.
Policy limits should reflect the additional risk, or you might be paying more out of pocket expenses in the event of a loss.
0
0
1
1
2
2
3
3
4+
4+
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QUESTION OF
14
2
Results provided by our Liability Coverage Estimator are intended to be used only as a guide. Speak with a qualified insurance broker about
your unique risk factors before deciding on the optimal liability coverage amount for you.
How many recreational vehicles do you own?
0
0
1
1
2
2
3
3
4+
4+
(ATVs, boats, motorcycles,
golf carts, etc.)
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QUESTION OF
14
3
Results provided by our Liability Coverage Estimator are intended to be used only as a guide. Speak with a qualified insurance broker about
your unique risk factors before deciding on the optimal liability coverage amount for you.
Recreational vehicles usually
require specialized coverage to
properly protect you from financial
loss and significant liability exposure.
Low
Low
Moderate
Moderate
High
High
Does anyone in your household have a high public profile?
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QUESTION OF
14
4
Results provided by our Liability Coverage Estimator are intended to be used only as a guide. Speak with a qualified insurance broker about
your unique risk factors before deciding on the optimal liability coverage amount for you.
People in the public eye have
both the blessing and the burden
of a complex lifestyle.
It’s important to have the proper coverage
in place to protect what you’ve earned.
1
1
2
2
3
3
More
More
How many homes do you own?
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QUESTION OF
14
5
Results provided by our Liability Coverage Estimator are intended to be used only as a guide. Speak with a qualified insurance broker about
your unique risk factors before deciding on the optimal liability coverage amount for you.
Unoccupied homes present a unique
risk and may attract uninvited visitors.
As the property owner you have an increased risk of liability, even if an injured party wasn’t invited on the property.
No
No
Yes
Yes
Do you own any homes outside of the United States?
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QUESTION OF
14
6
Results provided by our Liability Coverage Estimator are intended to be used only as a guide. Speak with a qualified insurance broker about
your unique risk factors before deciding on the optimal liability coverage amount for you.
Insurance contracts need to conform to both US and international laws, and are often written in different languages, adding another layer of complexity.
No
No
Yes
Yes
Do you have a trampoline, pond, or pool on your property?
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QUESTION OF
14
7
Results provided by our Liability Coverage Estimator are intended to be used only as a guide. Speak with a qualified insurance broker about
your unique risk factors before deciding on the optimal liability coverage amount for you.
Everyday activities surrounding
these items can create risk
and potential lawsuits.
It’s important to understand
your liability exposures and
take steps to protect yourself.
No
No
Yes
Yes
Do you have any
youthful operators?
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QUESTION OF
14
8
(25 or under)
Results provided by our Liability Coverage Estimator are intended to be used only as a guide. Speak with a qualified insurance broker about
your unique risk factors before deciding on the optimal liability coverage amount for you.
Having youthful operators can bring increased liability risk. Policy limits should reflect the additional risk, or you might
be paying more out of pocket expenses
in the event of a loss.
Never
Never
Annually
Annually
Quarterly
Quarterly
Monthly
Monthly
What is the frequency with which you host parties/events?
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QUESTION OF
14
9
Results provided by our Liability Coverage Estimator are intended to be used only as a guide. Speak with a qualified insurance broker about
your unique risk factors before deciding on the optimal liability coverage amount for you.
Social host liability laws vary widely
from state to state, but most of these
laws offer an injured person, such as
the victim of a drunk driver, a method to sue the person who served the alcohol.
0
0
1-2
1-2
3-4
3-4
More
More
How many full time staff do you have?
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QUESTION OF
14
10
Results provided by our Liability Coverage Estimator are intended to be used only as a guide. Speak with a qualified insurance broker about
your unique risk factors before deciding on the optimal liability coverage amount for you.
If you employ or plan to employ caretakers, nannies, or other domestic staff, it’s important to be aware of
your legal responsibilities and the
possible need for Employment
Practices Liability Insurance.
0
0
1
1
2
2
More
More
On how many not-for-profit boards do you sit?
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QUESTION OF
14
11
Results provided by our Liability Coverage Estimator are intended to be used only as a guide. Speak with a qualified insurance broker about
your unique risk factors before deciding on the optimal liability coverage amount for you.
Although public companies are most
often the targets of shareholder claims and class-action lawsuits, not-for-
profit and private entities are not
immune from litigation.
Under $1M
Under $1M
$1M - $2.9M
$1M - $2.9M
$3M - $4.9M
$3M - $4.9M
$5M - $9.9M
$5M - $9.9M
What is your estimated net worth?
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QUESTION OF
14
12
(financial + property)
Over $25M
Over $25M
Under $25M
Under $25M
Under $20M
Under $20M
Under $15M
Under $15M
Results provided by our Liability Coverage Estimator are intended to be used only as a guide. Speak with a qualified insurance broker about
your unique risk factors before deciding on the optimal liability coverage amount for you.
Multimillion dollar lawsuits are more common than ever. Average personal injury judgments have exceeded
$1 million, and settlements can
affect an individual’s savings,
assets, and even future earnings.
No
No
Yes
Yes
Is your annual income likely to exceed $1 million next year?
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QUESTION OF
14
13
Results provided by our Liability Coverage Estimator are intended to be used only as a guide. Speak with a qualified insurance broker about
your unique risk factors before deciding on the optimal liability coverage amount for you.
Affluent individuals, families,and family offices may find themselves target of expensive, high-stake liability lawsuits.
How many more years do you intend to work?
0
0
1-5
1-5
6-15
6-15
16-25
16-25
25+
25+
Previous
QUESTION OF
14
14
Results provided by our Liability Coverage Estimator are intended to be used only as a guide. Speak with a qualified insurance broker about
your unique risk factors before deciding on the optimal liability coverage amount for you.
With retirement often comes a change
in residence. This is a good time to let
your insurance provider know where
you plan to spend your time.
Start Over
$1 - $2 million
This preliminary recommendation is based on your responses to questions about the most common personal liability risk factors affecting successful individuals and families. This estimate is not meant as a substitute for advice from a qualified insurance professional.
Your recommended liability coverage estimate is:
Start Over
$5 million
This preliminary recommendation is based on your responses to questions about the most common personal liability risk factors affecting successful individuals and families. This estimate is not meant as a substitute for advice from a qualified insurance professional.
Your recommended liability coverage estimate is:
Start Over
$5 million
This preliminary recommendation is based on your responses to questions about the most common personal liability risk factors affecting successful individuals and families. This estimate is not meant as a substitute for advice from a qualified insurance professional.
Your recommended liability coverage estimate is:
Start Over
$10 million
This preliminary recommendation is based on your responses to questions about the most common personal liability risk factors affecting successful individuals and families. This estimate is not meant as a substitute for advice from a qualified insurance professional.
Your recommended liability coverage estimate is:
Start Over
$15 million
This preliminary recommendation is based on your responses to questions about the most common personal liability risk factors affecting successful individuals and families. This estimate is not meant as a substitute for advice from a qualified insurance professional.
Your recommended liability coverage estimate is:
Start Over
$20 million
This preliminary recommendation is based on your responses to questions about the most common personal liability risk factors affecting successful individuals and families. This estimate is not meant as a substitute for advice from a qualified insurance professional.
Your recommended liability coverage estimate is:
Start Over
$25 million
This preliminary recommendation is based on your responses to questions about the most common personal liability risk factors affecting successful individuals and families. This estimate is not meant as a substitute for advice from a qualified insurance professional.
Your recommended liability coverage estimate is:
Start Over
$25 million+
This preliminary recommendation is based on your responses to questions about the most common personal liability risk factors affecting successful individuals and families. This estimate is not meant as a substitute for advice from a qualified insurance professional.
Your recommended liability coverage estimate is:
