Who qualifies for Personal Umbrella Policy coverage?

A quick review of RLI's personal umbrella policy requirements will help you determine if you qualify.

	Max. # Accepted	Other Limitations
Vehicles Your motorized vehicles licensed for road use (i.e., motor homes, motorcycles, cars, etc.) that are owned (titled or registered to), leased, rented, or regularly operated by any member of your household. Includes company vehicles provided for use by any member of your household. Motor homes that are used full-time are counted as vehicles, not residences. Excludes antique/classic/collectible vehicles covered under a collector automobile policy.	10
Properties Residential properties owned or rented by any member of your household. Only 1-4 family units are eligible and should be counted as one property. Primary residences must have liability coverage under a policy containing comprehensive personal liability (including homeowners or farmowners). Seasonal, secondary or rental properties may have liability coverage under a comprehensive personal liability or premises liability policy. Excludes residential properties that are covered under a commercial or other non-personal premises liability policy.	10	9 rental / 5 outside U.S.
Watercraft Watercraft other than personal watercraft (personal watercraft includes canoes, jet skis, waverunners or other craft that are owned or regularly operating by any member of your household) that are owned or regularly operated by any member of your household. Watercraft must be between 14 and 45 ft. long and with a maximum speed of 50 mph.	3	3 personal
Personal Watercraft Includes small but powerful motorized watercraft sold under brand names such as Jet Ski and WaveRunner usually used by 1-3 people and under 14 feet in length.	3
Drivers Includes any member of your household with a valid driver's license or permit who operates motor vehicles licensed for road use, plus any other person with a valid driver's license or permit who operates a vehicle owned (titled or registered to), leased, rented, or regularly operated by any member of your household at least 50% or more of that vehicle’s use.	8	Under age 22 – 4 Over age 70 – 4
Moving Violations In Florida, includes only moving violations with one or more points assessed to the driver’s license.	varies	Under age 22 / 80+ – 1 All others – 3 Max of 6 per household
At Fault Accidents Any single or multi-car accident chargeable under a primary auto policy, any accident resulting in any payment for bodily injury or property damage, any single car accident resulting in a payment to an insured (unless caused by an animal), and/or any accident resulting in a citation to any member of your household with or without a conviction or final adjudication.	varies	Under age 22 / 80+ – 1 All others – 3 Max of 3 per household
DUI	1 per household	Under age 22 / 80+ not accepted All drivers must carry 500/500
Driving incidents for drivers under age 22 / 80+	1 per driver	DUIs not accepted
Acreage Land for which the liability coverage is provided by a homeowners, farmowners or farm comprehensive personal liability policy (including partial ownership) owned or leased by any member of your household.	1280 acres

In addition, RLI's Personal Umbrella Policy also requires:

Minimum underlying insurance policies as outlined on the RLI application for all personal exposures including automobile liability, homeowners or personal liability, farm owners or farm comprehensive personal liability, unlicensed recreational vehicle, and watercraft liability.
No one may have an occupation as a professional entertainer or athlete, media personality or an appointed or elected federal or state political figure (N/A for political figures in FL, OR and TX).
All members of household/drivers must:

Not have a citation/conviction for reckless driving, careless driving or negligent driving nor had a driver's license suspended (for reasons other than driving under the influence) or revoked in the past five years.
Not have any liability claims exceeding $50,000 in the past five years.

If the above requirements are met, you may be eligible for an RLI Personal Umbrella Policy. The requirements listed above are not all inclusive and do not guarantee acceptance. An RLI application must be submitted and approved to ensure final eligibility.

Who qualifies for Personal Umbrella Policy coverage?

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