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Personal Umbrella Policy


RLI Online Quick Quote 

Complete & return by fax (888-431-1126), e-mail ( or
mail to IAAC, Inc., Attention Denise Brown-Carter
5784 Widewaters Parkway, 1st Floor, Dewitt, NY 13214


ApplicationNew Business App
Beginning 9/1/14 - Form PUP276 (11/13) form will be the only acceptable version.


AgreementBroker's Agreement
FormThird Party Designee Form FormUM/UIM Endorsement Form


Policy ProvisionsPolicy Provisions

Policy Provisions
                Effective 7/1/15

New York
Effective 11/1/14

AdvisoryAmendatory Endorsement

Amendatory Endorsement
                Effective 7/1/15

New Jersey

Effective 9/1/14

                Effective 10/01/15

AdvisoryAmendatory Endorsement

Amendatory Endorsement
Effective 7/1/15



Denise Brown-Carter
Denise Brown-CarterRLI Underwriter
P: 800-962-7950
F: 888-432-0510
With the recent transition of the RLI In-Home Business policy administration to our national office, I want to make sure it is clear that IAAC will continue to handle all of your RLI Personal Umbrella Policy needs.
This means that you will continue to work with me and our staff! There has not and will not be any disruption in service to you and your clients.
Thank you!
Peoria, IL
It's fast and easy to offer RLI Personal Umbrella Insurance. To start writing the Personal Umbrella Policy through RLI, please complete the Broker's Agreement.
Benefits For Your Clients
  • Available limits up to $5 million
  • Very affordable
  • Covers above auto, home, boat, or rental properties
  • Great solution for hard to place personal lines accounts
  • RLI is admitted and A.M. Best "A+" rated
  • Immediate availability
Benefits For You
  • IIABNY members earn 10% commission on new & renewal business (PUP Special commission rate is 8% new & renewal)
  • No minimum volume requirements or access fees
  • Does not require or desire writing of the underlying policies
  • Easy online quoting
  • Electronic signatures and online credit card payments accepted for accessing agents
  • Self-underwriting application
  • Immediate availability
Watch our short "how-to" video on navigating the online RLI Personal Umbrella system:

​Exposure Exposure Count Charge Per Additional Exposure
​Vehicles in the household ​7 to 10 ​$50 per vehicle > 6
Properties in the household
(No More Than 5 Rentals)
​7 to 10 ​$50 per property > 6
​Total Drivers in the household ​7 to 8 ​$50 per driver > 6
​Moving Violations in the household ​5 to 6 ​$75 per violation > 4
​At Fault Accidents in the household ​3 ​$100 per accident > 2
​Licensed < 1 yr, Non U.S. license ​Number not to exceed eligible number of drivers based on
​$100 each person licensed <1 year
or holding a non-US license
​DUI - $500/500/50 underlying auto
limits are required. Not available to
drivers < 22 or > 79
​1 Per Household ​$250
​Drivers age 20 – 21 & 80+ with
​1 Incident Per Driver ​$100 per incident per driver
​Acreage ​0-640 Acres
641 to 1,280 Acres
No charge
$300 flat charge
​Properties outside U.S. ​5 ​$75 per property
See Full List & Additional Exposure Charge »
Download and print these free marketing materials to help promote the RLI Personal Umbrella Policy with your own clients!
If you would like to order additional materials, please contact Debbie or Denise.