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

Who qualifies for Personal Umbrella
Policy (PUP) coverage?

You can — if your family can meet the following requirements:

  Maximum
Accepted		 Other Limits
Vehicles 10  
Properties 10 5 rental / 5 outside U.S.
Watercraft 3 3 personal
Drivers 8 Under age 22 – 4
Over age 70 – 4
Moving Violations varies Under age 20 – 0
20-21 / 80+ – 1
All others – 3
At Fault Accidents varies Under age 20 – 0
20-21 / 80+ – 1
All others – 3
DUI 1 per household Under 22 / Over 80 excluded
(must carry 500/500)
20-21 / 80+ drivers with incidents 1 per driver DUIs excluded
Acreage 1280 acres  

In addition, RLI’s Personal Umbrella Policy also requires:

  1. Minimum underlying insurance policies as outlined on the RLI application for all personal exposures including automobile liability, homeowners or personal liability, farm owners or farm comprehensive personal liability, unlicensed recreational vehicle, and watercraft liability.
  2. No one may have an occupation as a professional entertainer or athlete, media personality or an appointed or elected federal or state political figure. (N/A for political figures in FL, OR and TX).
  3. All licensed drivers must:
    1. Not have a citation/conviction for reckless driving, careless driving or negligent driving nor had a driver’s license suspended (for reasons other than driving under the influence) or revoked in the past five years.
    2. Not have any personal liabilty or personal bodily injury liability claims exceeding $25,000 in the last five years.

If you meet all of the above requirements, you may be eligible for RLI’s Personal Umbrella Policy. The requirements listed above are not all inclusive and do not guarantee acceptance. An RLI application must be submitted and approved to ensure final eligibility.

However, if you meet RLI’s requirements, it’s easy to get an RLI Personal Umbrella Policy! You can find an agent, contact RLI or complete the form below. The information you supply will be given to a program administrator authorized to do business in your state, who will get back in touch with you to determine final eligibility. To get a preliminary quote, see our online Quick Quoter.

Your Name
Street Address
Address (cont.)
City State Zip Code
Work Phone
Fax
E-mail
 
Type case sensitive characters shown to verify.