RLI Stand-Alone Personal Umbrella
Have you offered the liability protection that your insureds need by recommending additional liability coverage? Consumers often wrongfully assume that their auto or home insurance will provide all the liability protection they need. The reality is that jury awards in personal liability lawsuits are unpredictable and often exceed limits carried by insureds or maximum limits written by many companies.
The RLI Personal Umbrella Policy (PUP) is an unsupported umbrella policy written in the standard market. It does not require that underlying policies be underwritten by RLI. The RLI PUP will cover operation of most motor vehicles and small watercraft, incidents involving any property covered by the basic homeowners policy, and incidents alleging slander, libel, defamation of character, invasions of privacy, and false arrest.
RLI’s Personal Umbrella Policy is accepting many new exposures - including $1,000,000 of Excess UM/UIM effective February 1, 2011 in Nebraska. There’s something for almost everyone in our new underwriting box!
$1 million, $2 million, $3 million and $5 million limits available.
Three rating tiers: Preferred, Standard, and Standard II
Underlying policies can be written through different companies
No volume requirements
Simple self-underwriting application
Reduced minimum underlying limits available for risks that do not have any youthful (under age 22) drivers in the household
(Effective 6/1/18 drivers under 22 eligible with basic limits)
Provides coverage worldwide
Now eligible for the RLI Personal Umbrella Policy:
Excess UM/UIM available in Nebraska effective February 1, 2011
Prior liability loss up to $50,000 effective June 1, 2018
Drivers of any age
20–21 year old drivers can have up to 1 incident
(Effective 6/1/18 drivers under 20 can have 1 violation OR at-fault accident)
Drivers with an international license
Up to 1 DWI/DUI per household
Up to 6 moving violations and 3 at fault accidents per household
Up to 10 autos (+25 antique autos) per household
Up to 10 properties per household (9 can be rentals eff. 6/1/18)
Up to 5 non-U.S. properties per household
To write RLI business, your agency must be appointed by RLI Insurance and maintain a minimum E&O limit of $1 million. To obtain a complete packet, contact: Cheryl Novacek firstname.lastname@example.org or 1-402-476-2951
Get an electronic application and rater
Print the completed application
Applicant and agent must both sign and date the application
Send to NASC at the address below, along with gross premium check payable to NASC.
All new RLI PUP submissions must be mailed with gross premium check payable to NASC to:
8231-B Northwoods Drive
Lincoln, NE 68505