Abstract: A method, system and/or computer usable program product for risk assessment of user activities including receiving a request for a quote for services regarding a user and user activities including receiving first information regarding the user and the user activities; utilizing the first information to automatically identify second information on-line from at least one third party regarding the user; automatically modeling the user and the user activities based on the first information and the second information to assess risks associated with the user and the user activities of undesired events; automatically modeling costs of the assessed risks for providing services covering the undesired events arising from the user activities; and automatically providing the quote for the services covering the undesired events arising from the user activities.