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.
The amount of GPEL coverage you may need varies depending on your personal situation and assets.To help you assess the amount of coverage appropriate, simply complete this quick liability estimator.
simply complete this quick liability estimator.
How many automobiles do you own?
0
1 / 14
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1
2
3
4+
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.
2 / 14
How many luxury, exotic, and/or high performance automobiles do you own?
3 / 14
Recreational vehicles usually require specialized coverage to properly protect you from financial loss and significant liability exposure.
How many recreational vehicles do you own?
(ATVs, Boats, Golf Carts, Motorcycles, etc.)
4 / 14
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
Does anyone in your household have a high public profile?
High
Moderate
Low
5 / 14
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.
How many homes do you own?
More
6 / 14
Insurance contracts need to conform to both U.S. and international laws, and are often written in different languages, adding another layer of complexity.
Do you own any homes outside of the United States?
Yes
No
7 / 14
Everyday activities surrounding these items can create risks and potential lawsuits. It's important to understand your liability exposures and take steps to protect yourself.
Do you have a trampoline, pond, or pool on your property?
8 / 14
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.
Do you have any youthful operators? (25 or under)
9 / 14
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.
What is the frequency with which you host parties/events?
Never
Annually
Quarterly
Monthly
10 / 14
If you employ or plan or employ caretakers, nannies, or other domestic staff, it's important to be aware of your legal responsibilities and the possible need for Employment Practice Liability insurance.
How many full time staff do you have?
3 – 4
1 – 2
11 / 14
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.
On how many not-for-profit boards do you sit?
12 / 14
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.
What is your estimated net worth? (financial + property)
$3M – $4.9M
$1M – $2.9M
Under $1M
$10M – $14.9M
$15M – $19.9M
$20M – $24.9M
Over $25M
$5M – $9.9M
13 / 14
Affluent individuals, families, and family offices may find themselves target of expensive high-stake liability lawsuits.
Is your annual income likely to exceed $1 million next year?
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14 / 14
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.
How many more years do you intend to work?
25+
16 – 25
6 – 15
1 – 5
$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:
Request Review
$5 million
$10 million
$15 million
$20 million
$25 million
$25 million +
