RLI Personal Umbrella Policy logo personal umbrella covers liability exposures
photos of various liability exposures that an RLI personal umbrella policy will cover
I need a PUP

What’s a PUP?

“PUP” stands for Personal Umbrella Policy, which provides an extra layer of very affordable liability PROTECTION for your personal assets and future earnings.

You might need a personal umbrella policy if you…

  • Own a home
  • Own a car
  • Want to protect your future earnings
  • Want to protect your assets against a lawsuit or judgment

These independent services agree — everyone needs a PUP.
Click on a website logo to read what they say about personal umbrella policies.


Real-life scenarios

Read how RLI’s personal umbrella policy protected these insureds when the unexpected happened to them.

You can protect your assets with RLI’s Personal Umbrella Policy!
With personal liability insurance from RLI, you obtain auto or home coverage from any insurance company you choose. You just need to maintain minimum underlying coverage limits.

A smart way to protect you and your family
You’ll find an RLI personal umbrella policy is a good idea.

  • $1 million to $5 million in additional insurance
  • Backed by a financially secure, A+ rated company
  • You can keep your current homeowner/auto insurer
  • Immediate coverage available in all 50 states plus D.C.
  • New drivers accepted — no age limit on drivers
  • Up to one DWI/DUI per household allowed
  • Auto limits as low as 100/300/50 in certain cases

It’s easy to get RLI personal umbrella insurance!
Our program is available through select agents throughout the country.

  • Find an agent who is authorized to do business with RLI.
  • If you would like a preliminary quote, see our online Quick Quoter.
  • If you would like help purchasing an RLI personal umbrella policy, contact RLI.
  • A completed, signed application with the full annual payment is required before your policy can be bound.