Big "I" Endorsed Umbrella Carrier
RLI's PUP stands atop the existing homeowner and auto insurance to provide an extra layer of personal liability protection for the insured and their household. With RLI's PUP program, the insured can maintain their auto or home coverage with any company they choose, provided they agree to maintain the mandatory minimum underlying coverage limits. See application for underlying coverage limit.
The RLI PUP program provides the best protection for the insured and their family. The policy may be written either in the name of an individual, in the names of
both spouses, or in the names of two unrelated individuals as long as they reside in the same household. The insureds spouse and members of the insureds household who are relatives or are in the insureds care and custody are insured under the policy.
RLI Umbrella Policy Features
Limits up to $5 million available ($1M in NM)
Excess UM/UIM available in all states.
The insured can keep their current homeowner/auto insurer
New drivers accepted - no age limit on drivers
Up to one DWI/DUI per household allowed
Auto limits as low as 100/300/50 in certain cases
Competitive, low premiums for increased limits of liability
Simple, self-underwriting application that lets you know immediately if the insured is accepted
E-signature and credit card payment options
Immediate coverage available in all 50 states plus D.C.
The applicant qualifies through a series of questions on the self-qualifying/underwriting application. Refer to application for the underlying limits requirements.
*Do not count antique/classic/collectible autos, as these are counted separately on the application. Up to 25 are permissible. The rating structure is designed to offer reduced premiums to your clients with lower levels of exposure.
(Click to enlarge table.)
Writing Your First PUP
Start by printing an RLI Personal Umbrella Policy Application.
If you would like a preliminary quote, complete the self-explanatory application at the Online Quoter.
If your agency needs to be set up as an RLI subproducer, contact your state administrator for quick and easy instructions.
Once you have printed the completed application and verified that the risk qualifies for a policy, follow the submission Helpful Hints or contact/send to your Approved IIABA/RLI Administrator.
Do not send applications and premiums to IIABA or RLI directly. Instead, click here to download a list wherein you can find the contact information of your state administrator.
Download: RLI vs. The Competition
RLI Explains:Uninsured and Underinsured Motorist Coverage
RLI Explains:What is a Personal Umbrella Policy?
Producer Tools and Resources
RLI Website Help
Social Media Graphics
The Big “I” Personal Umbrella program has
developed social media graphics for Big “I” members to use. To use them, simply copy and paste them into your social feeds to help prompt a
conversation with your clients and prospective clients about personal umbrella.
Feel free to link to RLI’s “what’s an umbrella?” video
as an additional resource to explain the nature and need of personal umbrella
Sample copy to accompany your post has been developed:
A Personal Umbrella provides affordable liability coverage above your home,
auto, and watercraft policies. If you are sued, it helps protect your
assets and future earnings, and pays for defense costs. Contact [insert agency
information] to learn more.
Download the graphics here: