Personal Liability Umbrella (PLUS) Plan
Legal Defense Coverage
Shifting the Burden of Legal Defense
Sooner or later you, your spouse, or your son or daughter could cause or appear to have caused a liability occurrence that leads to a lawsuit and the courthouse steps.
That's a time when just any lawyer won't do. You want specialized legal talent experts in personal liability defense. Securing that ability to bring the case to a conclusion is one of the important features of the PLUS Plan.
Even a lawsuit that a court later rules is without merit also requires competent and expensive legal help. The PLUS Plan will provide you with defense for a covered claim at no additional cost even if a suit is determined to be frivolous.
Under the PLUS Plan the mounting legal fees to develop a defense, plead in court and negotiate any adverse judgement aren't carved from your coverage amount. 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 bail bond premiums because of an accident.
Underwritten by Continental Casualty Company.
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