diff --git a/src/validate/formatter/insurance/Limit.js b/src/validate/formatter/insurance/Limit.js
new file mode 100644
index 0000000..2664b47
--- /dev/null
+++ b/src/validate/formatter/insurance/Limit.js
@@ -0,0 +1,70 @@
+/**
+ * Insurance limit formatter
+ *
+ *  Copyright (C) 2016 LoVullo Associates, Inc.
+ *
+ *  This file is part of liza.
+ *
+ *  liza is free software: you can redistribute it and/or modify
+ *  it under the terms of the GNU General Public License as published by
+ *  the Free Software Foundation, either version 3 of the License, or
+ *  (at your option) any later version.
+ *
+ *  This program is distributed in the hope that it will be useful,
+ *  but WITHOUT ANY WARRANTY; without even the implied warranty of
+ *  MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE.  See the
+ *  GNU General Public License for more details.
+ *
+ *  You should have received a copy of the GNU General Public License
+ *  along with this program.  If not, see <http://www.gnu.org/licenses/>.
+ */
+
+var Trait              = require( 'easejs' ).Trait,
+    ValidatorFormatter = require( '../../ValidatorFormatter' );
+
+
+/**
+ * Formats insurance limit(s)
+ */
+module.exports = Trait( 'Limit' )
+    .implement( ValidatorFormatter )
+    .extend(
+{    /**
+     * Parse item as a number
+     *
+     * @param {string} data data to parse
+     *
+     * @return {string} data formatted for storage
+     */
+    'virtual abstract override public parse': function( data )
+    {
+        return ( isNaN( parseInt( data ) ) )
+            ? data
+            : this.__super( data );
+    },
+
+
+    /**
+     * Format number with thousands separators
+     *
+     * @param {string} data data to format for display
+     *
+     * @return {string} data formatted for display
+     */
+    'virtual abstract override public retrieve': function( data )
+    {
+        var number     = parseFloat( data ),
+            is_numeric = !isNaN( number );
+
+        if ( !is_numeric )
+        {
+            return data;
+        }
+
+        return this.__super(
+            ( number < 1000 )
+                ? ''+( number * 1000 )
+                : data
+        );
+    }
+} );
diff --git a/test/validate/formatter/insurance/LimitTest.js b/test/validate/formatter/insurance/LimitTest.js
new file mode 100644
index 0000000..33b7e5e
--- /dev/null
+++ b/test/validate/formatter/insurance/LimitTest.js
@@ -0,0 +1,68 @@
+/**
+ * Tests insurance limit formatter
+ *
+ *  Copyright (C) 2016 LoVullo Associates, Inc.
+ *
+ *  This file is part of liza.
+ *
+ *  liza is free software: you can redistribute it and/or modify
+ *  it under the terms of the GNU General Public License as published by
+ *  the Free Software Foundation, either version 3 of the License, or
+ *  (at your option) any later version.
+ *
+ *  This program is distributed in the hope that it will be useful,
+ *  but WITHOUT ANY WARRANTY; without even the implied warranty of
+ *  MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE.  See the
+ *  GNU General Public License for more details.
+ *
+ *  You should have received a copy of the GNU General Public License
+ *  along with this program.  If not, see <http://www.gnu.org/licenses/>.
+ */
+
+
+var Class              = require( 'easejs' ).Class,
+    liza               = require( '../../../../' ),
+    Sut                = liza.validate.formatter.insurance.Limit,
+    EchoFormatter      = liza.validate.formatter.EchoFormatter,
+    ValidatorFormatter = liza.validate.ValidatorFormatter,
+    common             = require( '../common' ),
+    expect             = require( 'chai' ).expect;
+
+var DummyFormatter = Class.implement( ValidatorFormatter )
+    .extend(
+{
+    'virtual parse': function( data )
+    {
+        return '+' + data;
+    },
+
+    'virtual retrieve': function( data )
+    {
+        return '-' + data;
+    },
+} );
+
+
+describe( 'validate.formatter.insurance.Limit', function()
+{
+    common.testValidate( DummyFormatter.use( Sut )(), {
+        // plain strings are ignored (and do not invoke supertype)
+        "":     [ ""     ],
+        "abc":  [ "abc"  ],
+        "abc_": [ "abc_" ],
+        "_ -":  [ "_ -"  ],
+
+        // numbers >3 digits echoed
+        "1234":   [ "+1234",     "-+1234"    ],
+        "123456": [ "+123456",   "-+123456"  ],
+    } );
+
+
+    // 3-digit abbreviations are converted *on retrieval* (we'll often
+    // be styling existing data, so we don't want to rely on prior
+    // conversion)
+    common.testValidate( EchoFormatter.use( Sut )(), {
+        "100": [ "100", "100000" ],
+        "500": [ "500", "500000" ],
+    } );
+} );