Personal Liability Insurance

Worldwide coverage

An umbrella policy from Cincinnati protects you whether you're traveling in the U.S. or abroad. Travel confidently knowing your coverage follows you wherever you go.

True umbrella coverage

Unlike an excess liability policy, a Cincinnati umbrella policy may provide coverage on a first-dollar basis, should your primary insurance policy not cover certain claims or allegations against you.

Optional features

Employment practices liability coverage covers up to five residence employees and provides defense costs and covers judgements against allegations of wrongful termination, sexual harassment and discrimination.

Not-for-profit directors and officers liability coverage provides up to an additional $1 million of coverage if you or your spouse are accused of committing wrongful acts while performing duties as a director or officer.

Supplemental defense coverage reimburses additional defense costs if you choose to consult with a law firm about your defense covered by the policy.

Excess uninsured or underinsured motorist coverage offers limits up to $10 million, for damages not caused by you during an auto accident and where the other driver did not have insurance, or adequate insurance to cover the loss.

Uninsured or underinsured liability coverage provides the additional expenses needed after a covered incident that is not related to an auto claim, and that the responsible party did not have insurance for, or adequate insurance to protect you.