Personal Umbrella

Stand-alone personal umbrella program through RLI Insurance Co.

IIAT offers a standard market program for stand-alone personal umbrella policies. It is a perfect solution for hard to place personal lines accounts. The program is administered in Texas by IIAT and underwritten by RLI Insurance Co., rated "A+" (Excellent) IX by A. M. Best.

Program features:

  • $1, $2, $3 and $5 million liability limits are offered
  • Broad underwriting guidelines allow insureds to qualify easily
  • 12% commission, for new and renewal business, paid on annualized basis
  • Easy self-underwriting application
  • E-signature is available for your client
  • Competitive premiums with no cumbersome rate calculations
  • Admitted product
  • No underwriting requirements on carriers providing underlying coverages
  • Policies issued electronically as soon as account is bound at IIAT
  • Renewals are direct billed
  • Access to RLI's online processing system available for subagents
  • Direct mail option of personalized marketing materials
  • No minimum production quotas are required

How the program works:

  • The account must meet the guidelines of the self-underwriting application; there are no exceptions
  • All policies are issued on an annual basis
  • First-year premium must accompany application
  • Easy new business submission process options:
    • Complete the application entirely online through the RLI Portal, including e-signature & premium payment by the insured.
    • Or  E-mail completed and signed application to Mandy Gifford, with a copy of the check or complete credit card information. For credit card payments please include the billing address associated with the credit card account.
    • Or  Mail completed and signed application with payment with attention to Mandy Gifford at 1115 San Jacinto Blvd., Ste. 100, Austin, TX 78701

To learn more, e-mail Polly Middlebrook or call 800.880.7428

IIAT handles the enrollment process - documents needed

  • E&O Declarations page (minimum $1 million limit)
  • Copy of current license

Submit completed enrollment information to:

P.O. Box 684487
Austin, TX 78768 

or fax 512.469.9512.

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Contact IIAT Advantage

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Polly Middlebrook
Marketing Operations