Liability Exposure Calculator
Thank you for allowing us the opportunity to help you estimate your liability exposure to a large claim. This estimate is based on the numbers you provide below. Note: This calculator is provided to you for FREE for your use ONLY. We do not store any information, nor will we contact you. Feel free to contact us if you would like further assistance.
ABOUT LIABILITY INSURANCE
As you read this, chances are you already have Auto and Home (Renter or Condo) insurance. A key component of those policies is your liability coverage. Liability is what protects you if you accidentally injure someone or damage their property. Examples include:
- Causing an auto accident and injuring a person in the other car
- Holding a party where a guest drinks too much and causes injuries or property damage to others
- Your dog bites someone (even if provoked)
- A water pipe breaks in your condo unit and damages the unit below
How much liability insurance do you need? The answer is that it is partially dependent on what you want to protect. In California, if you are found liable for injuries or property damage to others and the settlement is more than your insurance coverage, you will be personally responsible to pay the balance. This can include selling assets to pay the difference and/or having your wages garnished until the settlement is paid.
The calculator below gives you a rough estimate of what you might lose if you were found liable for an injury or property damage and there was a large settlement against you. Once you calculate that number, we can help you determine how that compares to the coverage you currently have. If your liability coverage is less than what the calculator shows, that is a coverage gap.
We have made this calculator simple to use and do not require you to provide us with any identifying personal information. We want you to feel comfortable evaluating your situation without worry that we will follow-up or e-mail you.