If you are involved in an accident and found liable for damages, the liability insurance coverage you have with your auto or homeowners insurance policy will only provide protection up to your policy limits. This means you could be responsible for paying excess amounts for which you are held accountable. And with lawsuits becoming more and more prevalent, the monetary awards can be staggering.

To help bridge the gap, we offer a Liability Plus personal umbrella policy that helps protect against third party claims that exceed the maximum limit of your liability coverage under your auto or homeowners insurance policy.

If you were held responsible, would you have enough protection if:

• Your teenage driver hits a utility pole and causes permanent vision loss and facial scaring to a passenger?
• A guest in your home or rental property falls down a staircase and suffers a serious head injury?
• A child is burned as a result of a fire caused when playing with matches at your rental property?

While you cannot predict the future, you can be sure you and your family are protected for a lifetime of changing needs. 

Contact your Horace Mann insurance agent to see how a Liability Plus policy could work with your current auto or property liability coverage.

Liability Plus policies are underwritten by Horace Mann Insurance Company and its affiliates. Coverages listed are only a general description of coverage and do not constitute a statement of contract. Additional terms and conditions, as described in the policy, must be met for the coverage to be provided.

WBPI-0014 (11/10)