Liability Protection Hub
Defend your net worth from a single lawsuit
Umbrella, excess liability, and asset titling work together. Size each layer to your true exposure — not your insurance agent's quote.
Household profile
Coverage in place
Wealth Preservation
Asset Protection
65
Resilience
48
Stability
55
Risk Exposure
55
Net worth
$35,000
Tier: Moderate · PS 2.0 53/100
Priority matrix
Income/Life
Increase term life by $820,000
Income
Add private long-term disability
Resilience
Build emergency fund to 6 months
Disaster
Add flood rider
Core frameworks
- Umbrella = 1–2× net worth
- Underliers must meet umbrella minimums (250/500 auto, $500k home)
- Title rentals/side businesses in LLCs
Best-practice strategies
- Re-shop umbrella every 24 months — pricing swings wildly
- Add UM/UIM umbrella where state allows
- Stack commercial + personal for business owners
Liability library
Guide
Umbrella Liability Strategy by Net Worth
Umbrella is the highest-leverage insurance per dollar. $200–$400/yr typically buys $1M above auto and home.
Guide
Teen Driver Liability Management
Teen drivers triple household liability exposure. Coverage, telematics, and umbrella adjustments are mandatory.
Guide
Pool, Trampoline & Recreational Liability
Pools, trampolines, and dogs are 'attractive nuisances' — they expand liability and often require disclosure to your carrier.
Guide
Professional & Personal Director Liability
Serving on boards, consulting, or holding professional licenses creates personal liability — distinct from your employer's coverage.