RLI is an A+ Rated company

The policy is a Broad Form umbrella, so it covers some things other umbrella policies don’t:

Animal liability is covered with $500 drop down if no HO coverage, or limited coverage

Other drop down areas include trampolines, personal injury, pools

No upper age limit on driver, but some restrictions do apply.  They must carry at least 250/500 underlying auto limits

Will not write if driver over 79 or under 20 has  more than one driving incident

Will write new business with a learner’s permit, as long as there are no driving incidents against that driver.   Coverage is limited to $1 million.

Will write over any underlying company as long as applicant has appropriate underlying limits

Offers limits of $1, $2, $3 or $5 million, unless they come under the PUP Special options, which limits them to $1 million.

Covers property and vehicles in all 50 states; however, primary must be Florida for us to write

Optional lower auto limits of $100/300/50 are acceptable for some drivers.  However, they are not acceptable for drivers under 22 or 70 and older, any applicant who falls in the Standard II rating, or anyone who chooses to add UM coverage.   Optional lower limits of $100/300/50 do cost more. 

Application:

Primary residence must be Florida for us to write (address they use when they file their income taxes)

The application is self-underwriting (you will know immediately whether or not a risk qualifies).

This is a per household policy, which covers all members who reside in household.  It will cover “significant others” such as male/female or two same sex partners, etc.

Named Insured must be 1 or 2 individuals (cannot be Trust or LLC)  RLI will cover property in trust or LLC if insured is named insured on underlying policy.

Renewals are solicited and billed directly to your insureds.