Methodology · Liability Insurance
Liability insurance methodology
Reviewed by Byron Malone · Last reviewed .
Page in progress.
The Personal Umbrella Liability Sizing anchor calculator is on the post-launch backlog (Byron-confirmed scope expansion: 2–5 additional calcs after Days 1–5). When that tool ships, this methodology page will cover personal umbrella tiering against net worth, the underlying-liability limits umbrella carriers require, professional liability (E&O), and the ISO Commercial General Liability (CGL) form structure for sole-prop / LLC operators.
Sources we'll cite
- ISO Personal Umbrella Liability Policy form
- ISO Commercial General Liability (CGL) form CG 00 01
- NAIC Consumer Insurance Search — state DOI bulletins on umbrella underwriting
- III research on personal umbrella adoption and claim frequency
- Insurance Research Council — bodily-injury severity trend data
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