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 $300,000. It helps safeguard your assets, protect current and future earnings (including retirement savings), and covers legal fees should you face a personal injury lawsuit.

Nearly 25,000 CPAs and their families depend on the affordable AICPA Personal Liability Umbrella Plan for their financial well-being. Given its high value and affordable cost, shouldn’t you?

1Insurance Information Institute, 2020 Fact Book.

Aon Insurance Services is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc., a licensed producer in all states (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 ©2021 CNA. All rights reserved.

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Why do CPAs need Personal Liability Umbrella Insurance? 

More than 15 million lawsuits are filed in the U.S. each year.1  Settlements and jury awards often escalate to millions of dollars.

Given your lifestyle and success, you could easily become a target. Imagine these scenarios:

  • Your spouse or teenage driver injures another driver or a pedestrian  
  • Your dog bites a neighbor’s young child 
  • A guest trips and falls in your home and requires emergency surgery 
  • Your rental property, pool or boat becomes the scene of a tragic accident 

Why AICPA-endorsed Personal Liability Umbrella Insurance?

The AICPA-endorsed Plan covers you, your loved ones and your assets 24/7, and 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 recovery services and kidnap and ransom coverage
  • Easy application + quick processing
  • 24/7, worldwide coverage
  • Maintain your current auto and home policies meeting the limit requirements
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Please call 800.223.7473, Monday - Friday, 8:30 am - 6:00 pm ET to speak with an AICPA Risk Advisor

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Help safeguard your assets & financial future