Affluent clients live in a world of elevated visibility, complex assets, and expanded obligations—factors that can dramatically increase their exposure to personal liability. Yet many remain underinsured, unaware, or unprepared for the financial and emotional toll a serious claim can create.
In this timely and insight-packed webinar, Aryn Johnson, a nationally respected expert in personal risk management, will demystify the unique liability challenges facing high-net-worth individuals and families. Drawing on real case studies, industry data, and decades of experience, Aryn will show advisors how to identify the often-overlooked risks embedded in affluent lifestyles and how to help clients build a stronger, more resilient protection framework.
What You’ll Learn
Why Affluent Clients Face Heightened Liability Exposure: Explore the lifestyle factors that increase legal vulnerability—including teenage drivers, domestic employees, nonprofit board participation, social media use, home entertaining, dog ownership, hobby farms, and swimming pools.
The Expanding Landscape of Social Inflation: Understand how broader definitions of liability, rising jury awards, and increasingly plaintiff-friendly legal environments are driving up both the frequency and the severity of claims.
The Critical Role of Personal Liability Insurance: Gain clarity on primary, excess, and umbrella liability protection—and why affluent families need to think far beyond standard homeowner and auto policies.
Real Liability Claims Every Advisor Should Know: Learn from true examples involving high-profile lifestyles—from a hobby farm accident, to negligence in a home swimming pool resulting in a $100 million verdict, to employment-related liability within the household.
Risk Mitigation Strategies for High-Net-Worth Families: Discover actionable strategies—from Employment Practices Liability Insurance and D&O coverage to social media risk controls and safe-driving protocols for young operators.
How to Determine the Right Level of Liability Protection: Walk through a practical framework using net worth, portfolios, risk factors, and lifestyle exposures to help advisors assess optimal coverage levels.