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Important Rate Revision Information for the RLI Personal Umbrella Program

In keeping with market and claim trends, RLI Personal Umbrella will be revising rates in most states in 2023. This change will mainly focus on the minimum underlying automobile limits that clients agree to maintain throughout their policy term, though in certain states additional pricing factors will be adjusted. In addition, RLI policy provisions from 2022 have been approved in Florida, and all applications will be updated. Since many of our Texas agents write RLI business in other states, we’ll include details that were shared for all states:

Florida (Effective 6/1/2023 for new and renewal business)

  • Rate change of 13.7% overall impact:
    • Introduction of Minimum Underlying Automobile Limit B (250/500/50, 300/300/50, or 300 CSL (325 in TX)) surcharge of 15%;
    • Addition of a surcharge of 10% for any policy with a driver age 70-79 (which was effective last year in nearly all states); and
    • Increasing the surcharge for any policy with a driver age 80+ by 10%, bringing it in line with nearly all states at 30%.
  • Form change
    • Gets FL onto the policy provisions that all states except NY have been on since 2022;
    • Applications will also be updated to coincide with this change;
    • The RLI Producer Portal and PUP Access system will have the correct versions of applications/forms at all times.

All other states* (Effective 7/1/2023 for new and renewal business)

  • Overall rate change of ~10% in approved states
    • Introduction of Minimum Underlying Automobile Limit B (250/500/50, 300/300/50, or 300 CSL (325 in TX)) surcharge of 15%;
    • In order to implement this surcharge, base rates were increased or decreased slightly depending on the state. This means that some clients may receive an overall decrease in premium.
    • Applications will also be updated to coincide with this change.
    • Effective date of the application or endorsement is key to this change. If you quote an account with an effective date prior to 7/1/23 but then ask to change it to 7/1/23 or later, the new rate structure will apply. A new application will need to be utilized.
*CA, DC, NJ and RI have not approved their rate filing as of this writing. RLI will send out notifications when each is approved.

Applications will be updated everywhere EXCEPT NY as of 7/1/23 (FL 6/1/23 as detailed above).

As always, please utilize the RLI Producer Portal and the PUP Access system for the correct versions of the rates and applications. RLI isunable to accept prior application versions for policies written on/after the effective dates listed above.

For more information about these changes or the RLI program, please contact Connie Gomez at (512)279-4711 or via email at [email protected].

RLI Offices Closing Early on Friday, June 30th

The RLI office will be closing early on Friday, June 30, with modified hours based on the times listed below. Please note that normal response times may be delayed during this period.

  • Personal Umbrella (Available 6/30 until 6:30 p.m. CT)
  • Home Business Insurance (Available 6/30 until 3:00 p.m. CT)

The office will also be closed on Monday, July 3, and Tuesday, July 4, in observance of Independence Day. RLI will reopen on Wednesday, July 5 at 8:00 a.m. CT.

RLI Personal Umbrella

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

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Connie Gomez

E&O Advocate