How much liability insurance should I have to adequately protect myself and my assets in an unpredictable world? Is there a specific formula or guideline that can help determine the appropriate amount? Should I consider the nature of my business and the potential risks involved in my day-to-day operations? What about the size of my client base or the value of my possessions? How do industry standards play into this decision, and should I adjust my coverage based on different factors, such as location or market trends? Furthermore, how can I anticipate future liabilities that may arise as my enterprise evolves? In a landscape where the unexpected is the norm, are there additional layers of protection that I should contemplate? Ultimately, what steps should I take to ensure that I am not underinsured in the face of unforeseen circumstances that could jeopardize my financial stability?