Recent announcements from several personal umbrella carriers outline major changes in coverage that will leave agents scrambling to find new markets for their clients.

One major standalone umbrella carrier will begin requiring underlying auto liability limits of at least $1 million in some states and $500,000 in all others. It will also require $1-million underlying uninsured/underinsured motorist limits when excess UM/UIM is purchased. Other carriers have announced that they will be non-renewing all of their personal umbrellas nationwide.

During this time, make sure your members know that they can turn to RLI Insurance—the Big “I"-endorsed stand-alone personal umbrella carrier—when they're scrambling to find coverage with a reliable carrier that offers reasonable underlying limit requirements.

RLI allows auto limits as low as $100,000/$300,000 for many customers—$500,000/$500,000 limits are only required if there's a DUI in the household. Excess UM/UIM coverage is also available nationwide. Underlying UM/UIM limits simply need to match the auto liability limits.

Obtain a quote in just two minutes via RLI's online quoter or log in to the RLI portal. For more information, contact Tracy Guyette.​