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Tell Your Customers About the Benefits of Personal Umbrella Insurance

According to the National Highway Traffic Safety Administration (NHTSA), the days preceding Thanksgiving kick off a busy – and potentially dangerous – holiday travel season. In addition to just the sheer volume of cars on the road, speeding, distracted driving and impaired drivers add to driver concerns.

Existing auto insurance may not be enough to cover the fallout from accidents, including potential medical expenses and catastrophic lawsuits stemming from uninsured/underinsured motorists.

A personal umbrella policy will substantially increase your overall liability protection beyond the basic coverage provided under both your auto and homeowners insurance.

Many underlying auto insurance policies don’t rate for permitted drivers or allow them to be added until they are licensed. However, that’s not the case when it comes to an RLI Personal Umbrella Policy.

If your customers have one or more drivers with a learner’s permit at the time they are applying for RLI Personal Umbrella coverage, it is imperative that the permitted drivers are included for rating. Permitted drivers are considered drivers for the RLI Personal Umbrella program and must be rated at the time of the application. Please review questions #5 and #13 on the new business application and in the PUP Access system for specific question wording.

According to the National Highway Traffic Safety Administration (NHTSA), the risk of auto accidents is higher among 16- to 19-year-olds than any other age group – and that’s the largest age group of permitted drivers. While a parent’s first concern is always the safety of their child, it’s important they understand that permitted drivers must be accounted for on an RLI personal umbrella application.

A personal umbrella policy increases overall liability coverage with an extra layer of protection beyond what’s covered by homeowners and auto insurance policies. A low-cost personal umbrella protects your customers and their families from hefty judgements stemming from catastrophic lawsuits, for instance, as a result of an auto accident.

RLI Personal Umbrella

Access a stand-alone Personal Umbrella Program through RLI Insurance Co.

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Todd Broz

RLI Account Manager