Offering personal umbrella coverage to every client is essential, which is why the Big "I" developed a customizable PUP declination form to document that you've offered umbrella coverage in your client files. 

It is a top-clicked resource, and with good reason. Offering your client coverage can lead to a sale, and when it doesn't, documentation that it was offered can provide protection for your agency in the event of an agency E&O claim. 

Given the success of the PUP Decline form, our team worked with RLI to add a similar resource for Home Business. Use our customizable Home Business declination form when discussing potential home business risks with your clients. 

Visit www.iiaba.net/RLI and www.iiaba.net/homebusiness to download the forms from the menus at right. Simply add your agency name to the bottom of each form using the PDF form field. 

Policy features from our standalone personal umbrella partner RLI:

• Limits up to $5 million available ($1M in NM)
• Excess UM/UIM available in all states.
• The insured can keep their current homeowner/auto insurer
• New drivers accepted - no age limit on drivers
• Up to one DWI/DUI per household allowed
• Auto limits as low as 100/300/50 in certain cases
• Competitive, low premiums for increased limits of liability
• Simple, self-underwriting application that lets you know immediately if the insured is accepted
• E-signature and credit card payment options
  
• Immediate coverage available in all 50 states plus D.C.

Top business classes for Home Business market include:

• Residential Inspection Services
• Teacher/Tutors
• Photographers
• Accounting Services
• Bakers
• Computer Consultants
• Interior Decorating
• Jewelry (Costume)
• Art Gallery / Art Studio
• Crafts