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Why Your Clients Need a Stand-Alone Personal Umbrella Policy

Unexpected events happen, which is why you should be offering your clients personal umbrella policies. A RLI personal umbrella policy increases your client's overall liability coverage with an extra layer of protection beyond the basic coverage provided by their homeowners and auto insurance policies. This low-cost policy is designed to protect your clients and their families against a catastrophic lawsuit or judgment.

Don't Take the Risk

Three real-life claim scenarios that demonstrate the benefits of an RLI personal umbrella policy.

  1. Automotive Liability

    Incident: The insured was driving on a two-lane road when he struck a pedestrian walking home from work. The pedestrian suffered serious head trauma. The insured was not speeding, there was no alcohol involved and cell phone records show that no phone was in use at the time of this accident.

    RLI paid the $2,000,000 Personal Umbrella policy limit after the insured’s underlying auto limit of $500,000 was exhausted.

  2. Impaired Driver

    Incident: The insured was driving a vehicle when it was struck in the rear at high speed by an uninsured driver who was intoxicated. The insured was airlifted from the accident scene to a hospital. He sustained spinal injuries and other complications as a result of the accident.

    Outcome: Because the RLI Personal Umbrella Policy included coverage for Excess Uninsured/Underinsured Motorists with a policy limit of $1,000,000, the insured was paid the full $1,000,000 for an accident that was not his fault.

  3. Boat Accident

    Incident: The insured was operating a ski boat on a lake with two passengers. As the insured turned the boat, a strong gust of wind blew an inner tube out of the boat. A rope connected to the inner tube caught one of the passengers around the leg, launching him out of the boat and onto the dock. The passenger sustained substantial injuries to his knee and hip and was totally disabled for six weeks, leading to a business income loss.

    Outcome: The primary insurance company tendered its full policy limit, which was $500,000 short of the total claim amount. The RLI Personal Umbrella Policy covered the remaining amount. Without the personal umbrella policy, the insured would have had to pay the $500,000 out of pocket.

RLI Personal Umbrella

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

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Connie Gomez

E&O Advocate