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.
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.
DISCLAIMER:
Begin Estimate
Begin Estimate
Take this short quiz to see a preliminary estimate of the liability coverage amount that may be appropriate for you.
How much
personal liability coverage do you need?
4 +
3
2
1
0
Driving a high profile
vehicle 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.
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Next
1
3
2
4 +
1
0
How many luxury, exotic, and/or high performance vehicles do you own?
4 +
3
2
1
0
Recreational vehicles usually require specialized coverage to properly protect you from financial loss and significant liability exposure.
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2
3
2
4 +
1
0
How many recreational vehicles do you own?
(ATVs, boats, motorcycles,
golf carts, etc.)
Yes
No
Inexperienced drivers have a higher risk of distracted driving, and are more frequently involved in auto accidents causing bodily injury and property damage – all of which impact your liability risk.
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3
Yes
No
Does anyone under
the age of 25 operate
your vehicles?
High
Moderate
Low
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.
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Next
4
Moderate
High
Low
Does anyone in your household have a high public profile?
Frequently
Occasionally
Never
Despite your privacy settings, social media use puts you at risk for personal injury lawsuits, including libel and slander. Posting personal information can also expose you to identity theft.
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Next
5
Occasionally
Frequently
Never
How active is your household in the use of social media?
(LinkedIn, Twitter, Facebook, Instagram, Snapchat, etc.)
4 +
3
2
1
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.
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6
4 +
3
2
1
How many homes do you own?
Yes
No
Insurance contracts need to conform to both US and international laws, and are often written in different languages, adding another layer of
complexity.
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Next
7
Yes
No
Do you own homes outside of the United States?
Yes
No
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.
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8
Yes
No
Do you have a
trampoline, pond, or
pool on your property?
Yes
No
Many insurers exclude liability coverage for certain breeds of
dogs on homeowners policies.
You may also require specialized insurance programs for horses, livestock, and other animals.
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Next
9
Yes
No
Do you own horses, dogs, or other pets?
Monthly
Quarterly
Annually
Never
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.
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Next
10
Monthly
Quarterly
Annually
Never
How often do you host parties/events?
5 +
3-4
1-2
0
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.
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Next
11
5 +
3-4
1-2
0
How many domestic staff members work in your home?
3 +
2
1
0
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.
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12
3 +
2
1
0
How many not-for-profit boards do you serve on?
Over $50M
$30-$49M
$20-$29M
$10-$19M
$5-$9M
$2-4M
Under $2M
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.
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13
Over $50M
$30-$49M
$20-$29M
$10-$19M
$5-$9M
$2-4M
Under $2M
What is your
estimated net worth
(financial + property)?
Yes
No
Affluent individuals, families,
and family offices may find themselves target of expensive, high-stake liability lawsuits.
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14
Yes
No
Is your annual income likely to exceed $1 million next year?
25 +
16-25
6-15
1-5
0
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.
Previous
Finish
15
25 +
16-25
6-15
1-5
0
How many more years do you intend to work?
See Results
See Results
15
QUESTION OF
T
H
A
N
K
Y
O
U
!
See My Results
Print Your Details
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$100
million
$50
million
$30
million
$20
million
$10
million
$5
million
<< BACK TO ESTIMATOR
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.
Fill out this form to request a complimentary personal risk analysis from a qualified Marsh McLennan Agency Private Client Services Personal Risk Advisor.
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Your recommended liability coverage estimate is: