• RLI Personal Umbrella Policy

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    The RLI PUP is a true “broad form” umbrella providing coverage that is not limited by exclusions or limitations in the underlying policies. RLI is rated A+ by A.M. Best and will write over any underlying carrier regardless of rating. Limits up to $5 million are available and RLI will write over other umbrellas if you are looking for additional excess limits.

    RLI accepts the Citizens $100,000 liability for a flat rate of $185! No extra gap policy needed.


    Why have a RLI Stand-Alone PUP?

    • 10 percent commission on new and renewal business.
    • Revenues generated to FMS are included in the calculation for earning the Utilization Bonus.
    • Simple, self-underwriting application form (you will know immediately whether or not a risk qualifies).
    • 24-hour issuance from receipt of eligible application.
    • No premium calculations necessary.
    • Renewals are solicited and billed directly to your insureds.
    • Premiums start at $165 for Florida insureds.
    • No excluded vehicles.
    • MVRs are not required with submission and applications are acceptable with up to 2 accidents and 4 tickets. (There are exceptions for drivers under 22 and over 69.) Note: The State of Florida’s official Drivers License format has increased to 13 characters (1 alpha and 12 numeric). Effective 10/01/2013, the MVR service used to obtain Florida MVR's will reject Drivers License requests not listed in the proper format indicated above. 


    Tips for Submitting PUP Applications
    Policy Provisions (pdf)
    PUP Changes Effective 7/1/15 (pdf)
    PUP Rates (Effective 1/1/15)
    PUP Application (pdf)
    PUP Quoter (If you have access to RLI, please log into RLI to quote.)
    Acceptance of Uninsured Motorist/Underinsured Motorists Coverage Form (pdf)
    Underlying Homeowner Limits
    PUP Renewal Process  

    Sales Tools

    Consumer Brochure (pdf)
    Sample Solicitation Letter (pdf)
    Order free brochures in bulk online