What is Personal Liability Umbrella Insurance?

Personal liability umbrella insurance is extra liability insurance designed to supplement your auto & homeowner's liability coverage, which typically tops out at $500,000. It helps safeguard your assets, protect your earnings, and cover legal fees in case a covered personal injury claim or lawsuit is filed against you

25,000 AICPA members count on the AICPA-endored Plan to help secure their careers and lifestyles.


Aon Insurance Services is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc. (TX 13695), (AR 100106022); in CA and MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services Inc.; in CA, Aon Affinity Insurance Services, Inc. (CA 0G94493), Aon Direct Insurance Administrator and Berkely Insurance Agency; and in NY, AIS Affinity Insurance Agency.

One or more of the CNA companies provide the products and/or services described. The information is intended to present a general overview for illustrative purposes only. It is not intended to constitute a binding contract. Please remember that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured. All products and services may not be available in all states and may be subject to change without notice. “CNA" is a registered trademark of CNA Financial Corporation. Certain CNA Financial Corporation subsidiaries use the "CNA" trademark in connection with insurance underwriting and claims activities. Copyright ©2020 CNA. All rights reserved. 

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Why do CPAs need Personal Liability Umbrella Insurance? 

A new lawsuit is filed in the U.S. every two seconds.1 Given your lifestyle and success, you could easily become a target. Imagine these scenarios:

  • Your teenage driver injures another driver or a pedestrian  
  • Your dog bites a neighbor’s young child 
  • A friend trips and falls in your vacation home and requires emergency surgery 
  • You’re hosting a party when a guest falls down the stairs

Why AICPA-endorsed Personal Liability Umbrella Insurance?

Why leave your assets and finances exposed when the AICPA-endorsed Plan is one of the most affordable methods of asset protection on the market. Features of the AICPA Plan include:

  • Higher limits – up to $5 million available 
  • One affordable rate – regardless of how many vehicles or qualifying residential properties you own
  • Legal defense in addition to the policy limit
  • Includes identity theft expense benefits 
  • Easy application + quick processing
  • 24/7, worldwide coverage
  • Maintain your current auto and home policies meeting the limit requirements
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Questions? FAQs

Please call 800.223.7473, Monday - Friday, 8:30 am - 6:00 pm ET to speak with an AICPA Risk Advisor.