Big I Illinois Associate Membership

Personal Umbrella Coverage

Provide the best protection for your insureds.

RLI Personal Umbrella

RLI's PUP stands atop the existing homeowner and auto insurance to provide an extra layer of personal liability protection for the insured and their family. With RLI's PUP program, the insured can maintain their auto or home coverage with any company they choose, provided they agree to maintain the mandatory minimum underlying coverage limits. See application for underlying coverage limit.

The RLI PUP program provides the best protection for the insured and their family. The policy may be written either in the name of an individual, in the names of both spouses, or in the names of two unrelated individuals as long as they reside in the same household. The insured’s spouse and members of the insured’s household who are relatives or are in the insured’s care and custody are insured under the policy.

RLI Umbrella Policy Features

  • Limits up to $5 million available ($1M in NM)

  • ​Excess UM/UIM available in all states

  • The insured can keep their current homeowner/auto insurer

  • 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

  • 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

  • Immediate coverage available

How do I Apply for Coverage?

To apply for coverage, login to the RLI Producer Portal below. If you do not have a login, please contact Carol Wilson to be granted access to the Portal.

RLI Producer PortalPersonal Umbrella Decline Form

Free Marketing Materials for Personal Umbrella Policy

RLI offers free customizable personal umbrella materials for agents. Login to the RLI Producer Portal for access.

How Do Other Stand-Alone Personal Umbrellas Compare to RLI?

In this comparison chart, you'll see why the RLI Personal Umbrella is the perfect fit for your agency and your clients.


Carol Wilson, RLI Program Administrator
(217) 321-3011

Carol Wilson, E&O Administrator