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Personal Umbrella

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A personal umbrella insurance policy helps protect your clients against the unexpected events that can wreak havoc on their family, finances, and their future. 

If you write Personal LInes in your agency, you and your staff need to be offer this important coverage to all personal lines customers.

The RLI Market Access program through MWAIIA/IIABA makes it easy for you to do it.​

Why the RLI Program is For You

  • 15% commission on new and 10% on renewal business
  • No minimum volume requirements or access fees
  • Easy online quoting
  • Electronic signatures and online credit card payment options
  • Self-underwriting application​
  • Direct Bill to the insured at renewal
  • 24 hour policy issuance with a completed, signed application
  • A premium matrix replacing time consuming rate calculation​


Key Features of the RLI Personal Umbrella

  • ​Available regardless of the carrier providing underlying coverages
  • ​A self-insured retention of $500
  • Limits up to $5 million with competitive pricing
  • Insureds can keep their current homeowner/auto insurer
  • New drivers are accepted - there is 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
  • RLI is admitted, AM Best A+ rated


Enhancements to the RLI Program
​Effective  June 1, 2018


  • Drivers under the age of 20 will be eligible with one violation OR at-fault accident.
  • Drivers under the age of 22 will be eligible with basic underlying automobile limit B (250/500/50 OR 300/300/50 OR 300 CSL).
  • Up to $5M limits will be available for certain PUP Special risks.
  • Up to nine (9) residential properties rented to others that are not occupied in whole or in part at any time by an insured or member of the household will be eligible.
  • Simplification of the farm/timberland and the target political figure questions.
  • Increase of the prior liability loss amount for eligibility.
​For more information contact MWAIIA by phone at (202) 516-8181 or by email at mwaiia@mwaiia.org