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The AICPA-endorsed PLUS Plan helps safeguard against personal liability incidents that fall ​beyond the limits of coverage provided by your auto and homeowner’s policy. The Plan provides you and your family up to $5 million in personal liability protection and the legal defense you may need in the event of a covered incident or personal liability lawsuit.

The AICPA PLUS Plan is underwritten by Continental Casualty Company (a CNA Company), a leading property and casualty underwriter in the U.S. that is rated A (Excellent) by A. M. Best & Co., and is administered by Aon Insurance Services.

AICPA PLUS Plan Features

Designed to supplement your auto and homeowner’s policy, the PLUS Plan offers:

  • Choice of coverage limits
    Flexibility to select coverage limits from $1 to $5 million, with a rate per million dollars that is progressively lower.
  • Single group rate
    The Plan covers household family members, your homes, including your residence, a vacation home or condominium, and qualified residential housing properties provided each does not exceed a four-family dwelling, all owned vehicles, and a variety of recreational vehicles.  You, your spouse and all other household family members receive the same basic protection, without age restrictions. Children living away at school are considered residents of your household, and are also covered.  In addition, the Plan offers coverage for actions of your household pet.
  • Other liability protection
    Offers  personal liability coverage for claims arising from libel, slander, and false arrest.  The Plan includes loss assessment coverage up to $50,000 for your share of eligible charges incurred as a result of covered occurrences as owner of a condominium or cooperative property.
  • Coverage for identity theft expenses
    The Plan automatically includes identity fraud coverage―providing payment up to $25,000 for each occurrence.
  • Legal defense for covered claims
    Covers legal defense even if the suit is determined to be frivolous. Legal defense is paid by the insurance company in addition to the policy limit. Other related coverage includes payment for expenses such as court costs, appeal bonds up to $50,000, and premiums on bail bonds related to an accident.
  • 24/7 worldwide coverage
    Travel anywhere, anytime, knowing you are protected.
  • Flexible enrollment schedule
    Coverage begins on the first of any month and continues through the policy year ending October 31. If your coverage begins on a date other than November 1, the premium is prorated.

Personal Liability Umbrella (PLUS) Plan
Underlying Liability Insurance Requirements

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...

Type of Liability Coverage Bodily Injury and Property Damage or Combined Single Limit**
Automobile and RV (owned, leased, or rented)
- Per Person
- Per Occurrence
(Uninsured/Underinsured limits are the same if UMC is purchased)
$250,000 per person
$500,000 per occurrence
$100,000 per occurrence
$300,000 per occurrence; $325,000 for Texas
Homeowner Personal Liability (for property owned or rented) -   -   $300,000
Watercraft (only required when exposure exists) -   -   $300,000
Snowmobile (only required when exposure exists)
- Per Person
- Per Occurrence
$250,000 per person
$500,000 per occurrence
(if you employ household help on a regular basis - usually included with your homeowner's liability)
-   -   $100,000
* 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.


As a CPA in today’s world, maintaining personal liability coverage is essential. Get the quality coverage and peace of mind you deserve. More than 30,000 AICPA members have selected the AICPA PLUS Plan for its comprehensive coverage.​​​​​​​​

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