High Net Worth Insurance Needs Calculator
Once net worth exceeds $5M, mass-market insurance leaves catastrophic gaps. This calculator sizes umbrella, excess liability, scheduled property, and specialty coverage based on assets at risk.
| Net worth at risk | — |
| Recommended umbrella minimum | — |
| Excess liability above umbrella | — |
| Scheduled personal property | — |
| D&O / fiduciary needed? | — |
| Kidnap & ransom recommended? | — |
High net worth households face exposures that mass-market insurance underserves. A $20M household with a standard $300K liability and $250K NFIP cap is one accident away from devastating loss. HNW coverage needs scale with net worth, income, and lifestyle exposure.
Umbrella Liability Sizing
Rule of thumb: umbrella coverage at least equal to net worth, scaled up by income. Plaintiff attorneys size lawsuits to your assets. A $10M-NW family should carry $5-10M umbrella minimum. Cost: $300-700/yr per $1M of coverage.
Excess Liability Above Umbrella
Once umbrella hits insurer maximum ($10-25M depending on carrier), buy excess liability towers from specialty markets (Bermuda, Lloyd's, Berkley One). $50-100M towers are common for ultra-HNW with public-facing risk.
Scheduled Personal Property
Art, jewelry, wine, watches, firearms, musical instruments — items beyond standard sublimits need scheduling. No deductible, agreed value, broader perils (mysterious disappearance covered). Annual appraisals on $50K+ items.
Specialty Coverages
D&O for board members. Employment Practices Liability for household staff. Watercraft (separate from auto). Aviation/aircraft. Kidnap & ransom for executives or international travelers. Cyber/identity theft. Personal cyber liability for social media defamation suits.
Last updated May 2026. Sources: Chubb Personal Insurance, PURE Insurance.