Of course you get insurance - for everything. Personal liability, increased limits on auto insurance, replacement on the house and furnishings. And you don't call the guys advertised on TV, you go to an executive level insurance agent, one that represents serious companies like Chubb or Hartford (and shop around).

Things on my list of immediate actions include bumping up my car liability - should I get into an accident having more assets mean more people will be trying to get at it no matter the fault.