Does anyone have an umbrella insurance policy? If so, what do y’all recommend to look out for? Wife’s a pharmacist, and i’m an attorney, fwiw. HHI of $350K, so would want to protect assets from civil lawsuits.

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My insurance agent has always told me to get the standard $1m policy. I’m earning in the mid $100s and have maybe $300k in equity in my home, plus another $100k in brokerage acct. otherwise my assets are retirement accounts which I think are safe. My guess is a lawyer will settle for amount of the policy. Isn’t your wife covered by the pharmacy chain?

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I was an asset protection attorney and bankruptcy (among a couple other things). You should do asset protection and an umbrella. Plan as if "shit were to hit the fan" and you had to file bankruptcy. There are very good ways to protect yourself, some are simply re titling your property, but there are other vehicles, too, like irrevocable trusts. Fraudulent transfer rules (not criminal) put time constraints around transfer presumptions so you can't plan too soon.

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$1M here. The whole “cover your assets” thing is a myth though. If you have $1M of coverage and are sued and given a $2M judgement you are still liable for $1M.

Bankruptcy

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