RLI Personal Umbrella Policy


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.
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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