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RLI Personal Umbrella

As a Big “I”/Insurors member, you get access to the RLI standalone personal umbrella program, which provides quality coverage at affordable rates, with a simple online quoting system, and backed by a financially secure company rated A+ (Superior by A.M. Best.)

What is a Personal Umbrella Policy?

UM/UIM Explained

Umbrella Policy Features

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 family. 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.

  • Limits up to $5 million available
  • 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 policy can be written either in the name of an individual, the name of both spouses, or in the name of two unrelated individuals as long as they reside in the same household. The insured’s spouse and members of the insured’s household who are relatives or are in the insured’s care and custody are insured under the policy.


The applicant qualifies through a series of questions on the self-qualifying/underwriting application. Refer to application for exposure breakdowns and the underlying limit requirements.

How Do I Submit New Business?

Become an RLI Subagent

To be assigned a subagent number or to find out if your agency already has one please e-mail sholmes@insurors.org.


If you're already an RLI Subagent

Get direct access to quote new business, check existing policies, obtain forms, direct bill payment and to submit business online quickly and easily via eSignature through the RLI PUP Access System. Go to myportal.rlicorp.com. If you need to have a password reset, please contact Stephen Holmes at sholmes@insurors.org.

Other Information

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