In-Home Business Protection

Does your client run a small business out of their home?

IIAT Advantage offers a standard market program for standalone personal umbrella policies. It is a perfect solution for hard-to-place personal lines accounts.

This 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% commisson, 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 when bound
  • 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

  • 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, 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.

IIAT Handles the Enrollment Process

Documents Needed:

  • Producer application and agreement
  • E&O declarations page (minimum $1 million limit)
  • Copy of current license 

Free Marketing Materials

RLI provides free promotional materials to advertise these RLI products to your clients. View them here

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For More Information Contact:

Cortney Copeland
Cortney Copeland
Administrative Assistant

Contact RLI

RLI Support