RLI Personal Umbrella Program FAQs
Do the named insured’s need to be married?
The named insured’s do not need to be married or related but must live in the same household.
Do you need lead certificates for primary homes or rental properties?
No lead certificates required for any reason.
Do the signatures need to be originals, or are faxed, scanned, or photocopied signatures acceptable?
Signatures may be photocopied, scanned, or faxed. E-Signature programs are also acceptable.
Can you write coverage naming an LLC, Trust, or Estate as the named insured?
No, an LLC, Trust, or Estate cannot be a named insured, but coverage may exist if the basic policy, written on a personal lines form, lists the entity as an additional insured.
What is the maximum number of rental properties allowed?
The maximum number of rental properties is 9.
Is a 4-family home counted as 1 or 4 properties?
A 4-family home is counted as 1 property.
Where can I find the application?
You will need to sign in to the RLI Portal to complete a new application, which can be saved and viewed by your IAS underwriter should you need assistance. If you need a username and password, email your underwriter.
What methods of payment are available for new business?
Payment may be made with a credit card or an ACH transfer from the applicant’s account or the agency account.
Does a youthful driver (under the age of 22) with an incident qualify?
A youthful operator with one incident can qualify, but coverage will be limited to 1 million.
Does the applicant need to own a personal vehicle and have a driver’s license to qualify?
No vehicles are required. A driver’s license is not required if there are no vehicles owned.
Note: Company vehicles provided for personal use are counted on the application, and coverage must exist to the limit requirements on the RLI PUP application.
If other members of the household have their own vehicles and coverage, do they have to be listed on the umbrella application?
Yes. All members of the household must be listed and all vehicles must carry the agreed underlying automobile liability limits.
If there are no licensed drivers in the household, does the applicant need to choose an underlying automobile liability limit on the new business application?
Yes. The applicant needs to be aware that they need to carry one of these limits should they rent or buy a vehicle during the policy period. The limit applies to company cars as well.
If I write in a requested effective date, will you honor my request?
Your requested effective date will be honored if an acceptable, signed application and the full gross annual premium payment are received by IAS, Inc within 5 days of the requested effective date.
If only one answer falls into the next rating tier, do I have to rate the entire risk in that tier?
Yes, the entire risk would be rated in the highest tier.
Will RLI write a personal umbrella over a farm owner’s policy?
Yes, they will unless the farm is for commercial use. Coverage for real farm exposures, equipment, and staff is limited. The policy intent is for a true “gentleman farm,” tomatoes-in-the-backyard type risk.
How do I submit my application for issuance of a policy?
There are two ways to submit business:
- Email signed application to your agency underwriter, followed by a phone call to the underwriter with payment information via credit card or ACH. Coverage cannot be bound sooner than the date payment is received.
- Select the eSignature option in the online application, and the application will be emailed to the applicant to electronically sign and pay.
Is the entire risk disqualified if they own a watercraft that is over 45” long and/or has a maximum speed of over 50 mph?
The entire risk is not disqualified, but that watercraft will be excluded from coverage and should not be counted in the rating questions on the application.
New business applications cannot be mailed directly to RLI and must be submitted through a program administrator. Applications sent directly to RLI will be forwarded to the state program administrator and may delay your policy’s effective date.
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