{"id":2413,"date":"2026-06-17T10:09:31","date_gmt":"2026-06-17T10:09:31","guid":{"rendered":"https:\/\/www.independentagent.com\/new-jersey\/?page_id=2413"},"modified":"2026-07-15T20:09:15","modified_gmt":"2026-07-15T20:09:15","slug":"umbrella","status":"publish","type":"page","link":"https:\/\/www.independentagent.com\/new-jersey\/market-access\/umbrella\/","title":{"rendered":"Umbrella"},"content":{"rendered":"\n<div class=\"header has-background has-primary-background-color header--cover header--text-left header--width-default\">\n\t\t\t<figure class=\"header__media\" role=\"presentation\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/www.independentagent.com\/new-jersey\/wp-content\/uploads\/sites\/25\/2026\/06\/Personal_Umbrella_Policy-1.jpg?w=1024\" alt=\"\" width=\"1024\" height=\"536\" loading=\"eager\" style=\"object-position: 50% 50%\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"header__overlay has-background has-primary-background-color\" style=\"opacity: 0.5\"><\/span>\n\t\t\t\t\t<\/figure>\n\t\n\t<div class=\"header__layout\">\n\t\t\t\t\t\n<div class=\"header__content\">\n\t\n<h1 class=\"header__title has-h1-display-variant\">Umbrella<\/h1>\n\n\n<p class=\"has-h4-variant wp-block-paragraph\">Offer your clients an Umbrella and protect them against unexpected events.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Big I New Jersey offers Personal Umbrella Policies through RLI and Anderson &amp; Murison.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"#RLI-Personal-Umbrella\"><span>RLI Personal Umbrella<\/span><\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outlined\"><a class=\"wp-block-button__link wp-element-button\" href=\"#Anderson-&amp;-Murison\"><span>Anderson &amp; Murison<\/span><\/a><\/div>\n<\/div>\n\n<\/div>\n\n\t\t\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-primary-wash-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\" id=\"RLI-Personal-Umbrella\" style=\"margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--medium);padding-bottom:var(--wp--preset--spacing--medium)\">\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-rli-personal-umbrella\">RLI Personal Umbrella<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-30-70 min-height-full is-layout-flex wp-container-core-columns-is-layout-ff9e4293 wp-block-columns-is-layout-flex\" style=\"padding-bottom:var(--wp--preset--spacing--small)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-right:var(--wp--preset--spacing--small);padding-left:var(--wp--preset--spacing--small);flex-basis:70%\">\n<h3 id=\"h-you-re-one-step-closer-to-growing-your-rli-businesses-in-the-quickest-easiest-way-available\" class=\"wp-block-heading\">You&#8217;re one step closer to growing your RLI businesses in the quickest, easiest way available.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The new RLI Web Portal is your first stop for quoting and submitting new business and managing renewals. Just <a href=\"https:\/\/myportal.rlicorp.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">login<\/a> &#8211; or <a href=\"mailto:jlarca@biginj.org\">request<\/a> your first-time account registration &#8211; and start increasing your business opportunities today.<\/p>\n\n\n\n<p class=\"has-h5-variant wp-block-paragraph\">Program Features:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Limits up to $5 million<\/li>\n\n\n\n<li>Insureds can keep their current homeowner\/auto insurer<\/li>\n\n\n\n<li>New drivers are accepted &#8211; there is no age limit on drivers<\/li>\n\n\n\n<li>Up to one DWI\/DUI per household allowed<\/li>\n\n\n\n<li>Auto limits as low as 100\/300\/50 in certain cases<\/li>\n\n\n\n<li>Competitive, low premiums for increased limits of liability<\/li>\n\n\n\n<li>Simple, self-underwriting application that lets you know immediately if the insured is accepted<\/li>\n\n\n\n<li>E-signature and credit card payment options<\/li>\n\n\n\n<li>Immediate coverage available in all 50 states plus Washington D.C.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"has-h5-variant wp-block-paragraph\">Application Submission Process:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Submit&nbsp;Online:&nbsp;<\/strong>&nbsp;Online applications are accepted with e-signature through&nbsp;the&nbsp;<a href=\"https:\/\/myportal.rlicorp.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">RLI web portal<\/a>. If your agency does not have a login to the RLI web portal, contact&nbsp;<a href=\"mailto:jlarca@biginj.org\">Joanne Larca<\/a>&nbsp;to register.<\/p>\n\n\n\n<style data-wp-block-html=\"css\">\n.wp-block-button__link { justify-content: center; }\n<\/style>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:30%\">\n<div class=\"wp-block-group has-primary-wash-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center has-h3-variant wp-block-paragraph\">Please login to download the following forms.<\/p>\n\n\n\n<div class=\"wp-block-buttons alignfull is-vertical is-content-justification-stretch is-layout-flex wp-container-core-buttons-is-layout-22a98c54 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.independentagent.com\/new-jersey\/wp-content\/uploads\/sites\/25\/2026\/06\/RLIPUP-Policy-Provisions-320-_01_21-effective-9-1-22.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><span>RLI Personal Umbrella Policy Provisons<\/span><\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outlined\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.independentagent.com\/new-jersey\/wp-content\/uploads\/sites\/25\/2026\/06\/RLIPUP-Application-09-1-2025-For-Info-Only-No-Ag-Bill.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><span>RLI Personal Umbrella Application<\/span><\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.independentagent.com\/new-jersey\/wp-content\/uploads\/sites\/25\/2026\/06\/RLICommissions.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><span>RLI Commissions Schedule<\/span><\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-primary-wash-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center has-h3-variant wp-block-paragraph\">Questions?<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Contact&nbsp;<a href=\"mailto:jlarca@biginj.org\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-secondary-color\">Joanne Larca<\/mark><\/a>&nbsp;at 609-587-4333.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-primary-wash-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\" id=\"Anderson-&amp;-Murison\" style=\"margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--medium);padding-bottom:var(--wp--preset--spacing--medium)\">\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-anderson-amp-murison\">Anderson &amp; Murison<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-30-70 min-height-full is-layout-flex wp-container-core-columns-is-layout-ff9e4293 wp-block-columns-is-layout-flex\" style=\"padding-bottom:var(--wp--preset--spacing--small)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-right:var(--wp--preset--spacing--small);padding-left:var(--wp--preset--spacing--small);flex-basis:70%\">\n<h3 id=\"h-a-national-program-endorsed-by-iiaba-for-insureds-who-do-not-fit-the-rli-s-personal-umbrella-program\" class=\"wp-block-heading\">A national program endorsed by IIABA for insureds who do not fit the RLI&#8217;s Personal Umbrella Program.<\/h3>\n\n\n\n<p class=\"has-h5-variant wp-block-paragraph\">Program Details:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Limits up to $10 million<\/li>\n\n\n\n<li>Ideal for risks that have drivers with multiple violations\/accidents<\/li>\n\n\n\n<li>Will consider high profile personalities such as elected officials, athletes, media personalities, and entertainers<\/li>\n\n\n\n<li>Will consider risks with prior liability losses exceeding $25,000<\/li>\n\n\n\n<li>Drivers over age 75 acceptable with two violations<\/li>\n\n\n\n<li>Drivers under age 22 can have minor violations<\/li>\n\n\n\n<li>Driver exclusion endorsement available for drivers with unacceptable driving records<\/li>\n\n\n\n<li>Written on A rated Scottsdale paper<\/li>\n<\/ul>\n\n\n\n<style data-wp-block-html=\"css\">\n.wp-block-button__link { justify-content: center; }\n<\/style>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:30%\">\n<div class=\"wp-block-group has-primary-wash-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center has-h3-variant wp-block-paragraph\">Please login to download the following forms.<\/p>\n\n\n\n<div class=\"wp-block-buttons alignfull is-vertical is-content-justification-stretch is-layout-flex wp-container-core-buttons-is-layout-22a98c54 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.independentagent.com\/new-jersey\/wp-content\/uploads\/sites\/25\/2026\/07\/Acord-83-Adobe-Fillable-App.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><span>DOWNLOAD THE APPLICATION<\/span><\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outlined\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.andersonmurison.com\/default_2.aspx?\" target=\"_blank\" rel=\"noreferrer noopener\"><span>GET A RATE<\/span><\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-primary-wash-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center has-h3-variant wp-block-paragraph\">Questions?<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Contact Laura Long, underwriter, at <a href=\"tel:323-255-2333\">323-255-2333<\/a> ext. 264 or visit <a href=\"https:\/\/www.andersonmurison.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">www.andersonmurison.com<\/a>.<\/p>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>RLI Personal Umbrella You&#8217;re one step closer to growing your RLI businesses in the quickest, easiest way available. The new RLI Web Portal is your first stop for quoting and [&hellip;]<\/p>\n","protected":false},"author":6700,"featured_media":0,"parent":1968,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"authentication_status":"","authentication_restrictions":[],"_downloads_block_files":[],"_sponsor_title":"","_sponsor_url":"","_person_author_id":0,"content-type":"","share_enabled":false,"community_list_site":"","bigi_community_list_restrictions":[],"footnotes":""},"class_list":["post-2413","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.2 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Umbrella - New Jersey<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.independentagent.com\/new-jersey\/market-access\/umbrella\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Umbrella\" \/>\n<meta property=\"og:description\" content=\"RLI Personal Umbrella You&#8217;re one step closer to growing your RLI businesses in the quickest, easiest way available. 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