Personal Liability Exposure Analysis

Average Personal Liability Judgment

National average · 2024 verdict data

Your Current Maximum Coverage

Typical homeowners + auto combined limit

Your Unprotected Exposure

The gap a single lawsuit can reach

Coverage Breakdown87% Unprotected

Covered ($300K)

Exposed ($2.1M)

"The average lawsuit doesn't care what your homeowners policy covers."

Your auto and homeowners policies have a ceiling. Above it — the lake house, the retirement portfolio, the family trust — sits unprotected. One slip-and-fall. One grandchild's car accident. Ninety days to a judgment that rewrites everything.

See Your Coverage GapNo email required · Results in 60 seconds · Zip code only

Slip-and-Fall Judgment: $1.8MAuto Accident — Minor Grandchild: $2.2MSocial Host Liability: $950KDog Bite Claim: $675KWatercraft Incident: $3.1MRental Property Injury: $1.4MGolf Cart Accident: $780KSwimming Pool Incident: $2.6MSlip-and-Fall Judgment: $1.8MAuto Accident — Minor Grandchild: $2.2MSocial Host Liability: $950KDog Bite Claim: $675KWatercraft Incident: $3.1MRental Property Injury: $1.4MGolf Cart Accident: $780KSwimming Pool Incident: $2.6M

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Anonymized Case Studies

These clients had good insurance.

Good wasn't enough. Each case below ended with a judgment that standard policies couldn't absorb — and assets built over a lifetime that paid the difference.

Slip-and-Fall · Holiday Gathering

"A guest fell on the front steps during Christmas dinner."

A 68-year-old retired surgeon hosted 22 family members for Christmas. A guest slipped on an icy front step, fractured his hip, and required two surgeries. His attorney filed against the homeowner within 11 weeks.

Judgment$1.82M

Policy Paid$300K

Out of Pocket$1.52M

The surgeon's homeowners policy maxed at $300K. The remaining $1.52M was satisfied through forced liquidation of 40% of his brokerage account.

Assets affected: Retirement portfolio, vacation property

Policy coverageExposure

Auto Accident · Teenage Grandchild

"A 17-year-old borrowed the family SUV for one afternoon."

A 74-year-old widow let her granddaughter borrow her registered SUV. The granddaughter ran a red light and struck another vehicle, seriously injuring two occupants. As the vehicle owner, the grandmother was named as a co-defendant.

Judgment$2.24M

Policy Paid$100K

Out of Pocket$2.14M

Auto liability coverage of $100K was exhausted immediately. The remaining $2.14M judgment attached to her home equity and trust assets.

Assets affected: Family trust, primary residence

Policy coverageExposure

Watercraft Incident · Lake House

"A neighbor's son was injured on a jet ski at the lake property."

A 71-year-old retired attorney owned a lake house with a private dock. A neighbor's 22-year-old son was injured using the property's jet ski without explicit permission. The family sued under premises liability and negligent entrustment.

Judgment$3.10M

Policy Paid$300K

Out of Pocket$2.80M

Homeowners policy covered $300K. The $2.8M balance triggered a lien on the lake house, primary residence, and a forced partial liquidation of an IRA — creating an unexpected taxable event.

Assets affected: Lake house, primary residence, IRA

Policy coverageExposure

All cases are based on publicly available court records and have been anonymized. Identifying details have been changed. Judgment amounts reflect final verdicts before appeals.

Coverage Comparison

Not your average policy review.

Standard homeowners and auto policies were written for average households. Your estate attorney circled the clause that doesn't protect trusts, watercraft, or rental properties. Here's what each tier actually covers.

Coverage Feature

Standard Policy

Typical Baseline

Enhanced

The math is clear. The next step is a conversation.

Our advisors don't sell policies. They read your existing coverage, find the gaps your current agent didn't mention, and tell you exactly what you need — nothing more.

How the Audit Works

Free Gap Report

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20-Minute Audit Call

A licensed advisor reviews your existing policy declarations pages and identifies every clause that leaves your assets exposed.

Carrier Comparison

We compare umbrella policies from 12 A-rated carriers — including ones your current agent doesn't represent.

Coverage in Place

Most umbrella policies bind within 48 hours. Your assets are protected before your next dinner party.

Your Advisors

Margaret L. Thornton

Senior Liability Advisor

CLU, ChFC, CPCU

31 years experience · High-net-worth estate protection, trust asset coverage

Robert D. Ashworth

Umbrella Specialist

ARM, CPCU

24 years experience · Retired professionals, multi-property portfolios

Susan M. Caldwell

Estate Risk Counsel

JD, CLU

28 years experience · Coordination with estate attorneys, trust structures

Carriers We Compare

ChubbAIGTravelersNationwideUSAAPure InsuranceCincinnati FinancialACE

Free · No Obligation · 20 Minutes

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