Personal Excess Liability

Protecting your personal income and

life savings from legal actions


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Protect your lifestyle from an unexpected lawsuit.


Almost anybody could get sued

What’s your economic exposure in the event you’re held liable for injury to another person or damage to another’s property? Personal injury attorneys point out that accidents result in about 31 million emergency room visits in the U.S. each year. Lawsuit costs are also rising — to over $250 billion — totaling about two percent of the U.S. Gross Domestic Product. No wonder chances are that almost anybody could be sued.

CIG Personal Excess Liability Insurance defends you against financial loss arising from lawsuits due to:

  • Physical injury or wrongful death of another person resulting from an accident or negligence
  • Damage you are accused of causing to the property or assets of another person or company
  • Civil or economic injuries.

If you are held legally culpable, economic damages may be assessed against you for plaintiff’s lost wages, medical bills and expenses, as well as for traumatic damages such as pain, suffering or distress.

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CIG Net Worth Defense™

This program is designed to be added to your CIG Home and Auto policies. A CIG HOME+AUTO account provides you and yours with basic Personal Liability protection. Adding CIG Net Worth Insurance goes the extra mile to deal with the possibility of catastrophic or frivolously expensive legal liability.

Low-cost Personal Net Worth insurance coverage is available in million-dollar increments. Add $1 million to $10 million in liability protection coverage and you’ve put in place a total Net Worth Defense system to shield you, a spouse, children or relatives living in your household.


Coverage descriptions are for illustrative purposes and are intended solely to provide a general overview of potential coverage. Information included does not represent a contract or any other obligation. Only an insurance policy can define actual terms, conditions, rates and exclusions. Please consult your local agent for complete details.

Availability: CIG Personal Net Worth coverage is currently available only with both CIG Home and CIG Auto policies in California, Nevada and Oregon. Types of policies may vary from state to state.


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Member Benefits

  • Find the best safety and security products out there
  • Save 20% - 50% on brand partner offerings
  • Learn to reduce risk and deal with emergencies…and more!

The first step in planning for your safety and security is to get the right insurance coverage. It's the best way to protect the financial value of what you own. But don't stop there. You can also do more to reduce the possibility of accidents, crime, natural disasters or other loss, damage or harm. All you need is the plan and the tool. They are available to you as a CIG policy client through your membership in The Protector Network.


1. BRAND PARTNER SAVINGS

Online access to brand partner offers with special pricing, which makes help affordable, including:

• TurboTax • Quicken • QuickBooks
• Office Depot • Lumber Liquidators
• Hertz, Avis, Budget Rental Cars
Plus more than 30 other brands with savings...


2. SAFETY & SECURITY INFORMATION

Online access to an exclusive safety and security library, directory and store, including:

• Home, auto & workplace safety tips
• Business risk management solutions
• Library of safety books
• Emergency service providers directory
• E-store featuring safety products


3. THANK YOU REWARDS

Support local merchants while saving up to 50% with saving certificates from various partners

Make The Protector Network central to your safety and security. Yours free exclusively from and courtesy of CIG.


To learn more go to TheProtectorNetwork.com