At C&S, we often get questions from people wondering if they are adequately protected by their home and auto policies, and in many cases they are not–either because they never asked about supplemental coverage or because their agent works with standard, mass-market carriers who don’t address the needs of high net worth households. Meanwhile, significant gaps may exist in their liability protection.

According to the Insurance Information Institute (III), roughly one in eight drivers is uninsured. Many more are seriously under-insured, creating major risks for other drivers on the road. But highways aren’t the only places where others’ negligence and mistakes can harm your family. School, work, sports fields, and the gym all come to mind as alternative examples. And again, not everyone has adequate liability coverage to address the losses you might suffer there. Uninsured motorist and uninsured personal liability coverage can keep you ahead of potential at-fault third parties.

Wrongful employment allegations happen all the time–even in household employment situations. Claims related to harassment, wrongful termination, discrimination, and invasion of privacy are all too common in this litigious day and age. EPLI coverage can easily be added to a personal umbrella policy, and is often recommended for those who employ nannies, housekeepers, drivers, personal chefs, etc. If this is you, take a moment to read our segment on insurance for household employees (which should also include workers’ compensation).