AICPA Personal Liability Umbrella Insurance

The plan’s common renewal date is November 1, however, you can apply any time during the year.

Depending on your needs, AICPA Personal Liability Umbrella provides coverage for automobiles and recreational type vehicles as defined by the policy, such as RVs, watercrafts, and snowmobiles.  Note that your Auto, Watercraft, or Homeowners policies (as applicable) must first cover such vehicles at the minimum limits required by this plan.

Yes, as long as the property falls under the definition of a housing property or residence premise. The plan covers everything on the property and grounds that you own. While commercial properties are not covered, we'd be happy to help - contact Aon today at 800.223.7473.

The following insurance types and amounts, as applicable, are required for your full personal liability protection with the PLUS Plan.*

The plan extends these liability limits of your underlying insurance for each occurrence, unless otherwise indicated:

• Automobile and RV (owned, leased, or rented)
  • (Uninsured/Underinsured limits are the same if UMC is purchased)
  • Bodily Injury of $250,000 per person; $500,000 per occurrence and Property Damage of $100,000 per occurrence
  • OR, $300,000 Combined Single Limit ($325,000 for Texas)

• Homeowner Personal Liability (for property owned or rented)
  • $300,000 Combined Single Limit**

• Watercraft (only required when exposure exists)
  • $300,000 Combined Single Limit**

• Snowmobile (only required when exposure exists)
  • $250,000 per person; $500,000 per occurrence and Property Damage of $100,000
  • OR, $300,000 Combined Single Limit**

• Employers (if you employ household help on a regular basis - usually included with your homeowner's liability)
  • $100,000 Combined Single Limit**

*If applicable underlying coverages are not maintained or collectible, you are in effect providing self-insurance for the types and amounts shown. Your PLUS Plan coverage begins from these amounts and is extended by the PLUS Plan amount you have selected.

**Per occurrence amount for policies which apply a single limit to bodily injury and property damage.

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.​
 
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