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Big "I" Umbrella Program Download your state's RLI PUP application from the drop-down menu below: |
RLI is also available on Big “I” Markets in many states – click here to log in and check for availability. Did you miss the recent webinars for RLI subproducers? Don't worry, you can watch them here! Other
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As a Big “I” member, you have access to two stand alone personal umbrella markets which enables you to write most any risk you will run across. Whether the risk qualifies for the Preferred Market with RLI Personal Umbrella or the Alternative Market for more difficult to place risks via Anderson & Murison, you can support your state Big “I” association by placing your stand alone umbrella business with the Big I Advantage® Umbrella Program.
Preferred Market - RLI Personal Umbrella
Limits up to $5 million available You can keep your 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.
Alternative Market - Anderson & Murison Limits up to $10 million available Ideal for risks that have drivers with multiple violations/accidents Will consider high profile personalities such as elected officials, athletes, media personalities & entertainers Will consider risks with prior liability losses exceeding $25,000 Drivers over age 75 acceptable with two violations Drivers under age 22 can have minor violations Driver exclusion endorsement available for drivers with unacceptable driving records Written on A rated Scottsdale paper
Click here to access a detailed chart with information about the primary and alternative markets. RLI RLI Umbrella Policy Features
RLI's PUP stands atop your existing homeowner and auto insurance to provide an extra layer of personal liability protection for you and your family. With RLI's PUP program, you can maintain your auto or home coverage with whatever insurance company you choose, provided you agree to maintain the mandatory minimum The RLI PUP program provides the best protection for you and your family. The policy may be written either in the name of an individual, in the names of both spouses, or in the names of two unrelated individuals as long as they reside in the same household. The insured’s spouse and members of the insured’s household who are relatives or are in the insured’s care and custody are insured under the policy. Eligibility
RLI's PUP stands atop your existing homeowner and auto insurance to provide an extra layer of personal liability protection for you and your family. With RLI's PUP program, you can maintain your auto or home coverage with whatever insurance company you choose, provided you agree to maintain the mandatory minimum underlying coverage limits. See application for underlying coverage limit requirements.
The applicant qualifies through a series of 26 or 27 questions on the self-qualifying/underwriting application. Refer to application for the underlying limits requirements. Number of: | Preferred
Rate Tier | Standard
Rate Tier | Standard II
Rate Tier | PUP Special | Licensed Vehicles allowed* | 0, 1, 2, 3 | 4 | 5, 6 | 7, 8, 9, 10 | Residences allowed | 0, 1 | 2, 3, 4 | 5, 6 | 7, 8, 9, 10 | Watercraft allowed | 0 | 1, 2 | 3 | N/A | Jetskis, Waverunners and other Personal Watercraft | 0 | 1, 2 | 3 | N/A | Drivers in household | 0,1, 2 | 3, 4, 5 , 6 | N/A | 7, 8 | Youthful Operators (under age 22) | 0 | 1, 2 | 3, 4 | N/A | Drivers Age 70 or over | 0 | 1, 2, 3, 4 | N/A | N/A | Violations per household | 0 | 1, 2 | 3, 4 | 5, 6 | At-Fault Accidents per household | 0 | 1 | 2 | 3 |
*Do not count antique/classic/collectible autos, as these are counted separately on the application. Up to 25 are permissible.
The rating structure is designed to offer reduced premiums to your clients with lower levels of exposure.
To obtain rates for your state, please click here.
Writing Your First PUP
Writing a RLI personal umbrella policy is very simple! Start by printing an RLI Personal Umbrella Policy Application. If you would like a preliminary quote, complete the self-explanatory application at the Guest Quoter. Once you have printed the completed application and verified that the risk qualifies for a policy, follow the submission Helpful Hints or contact/send to your Approved IIABA/RLI Administrator. Do not send applications and premiums to IIABA or RLI directly. Instead, click here to download a list wherein you can find the name, phone number and e-mail address of your state administrator.. Click here to read or print the RLI Privacy Policy and disclaimer.
Producer Tools and Resources For more information, please download and reference the documents below, contact your state association or e-mail Big “I” Advantage at bigimarkets@iiaba.net. | Anderson & Murison | Our increasingly litigious society has created new and complex exposures for individuals. Anderson & Murison's Primary and Excess Umbrella Liability insurance is designed to help mitigate the significant liability risks individuals face every day. TARGET MARKET & ELIGIBILITYClients with substantial assets, or high current and future income need high limits of liability protection. Homeowners and Automobile Liability policies are often inadequate in providing necessary protection against catastrophic liability claims. The Anderson & Murison Personal Excess Policy (A&M PEP) is a stand-alone personal umbrella policy, in the admitted market, that has been designed to meet the diverse needs of your insureds. Scottsdale is the carrier and is "A" rated by A.M. Best. Anderson & Murison, Inc. represents Scottsdale as the national administrator of the Personal Excess Policy. A&M has underwriting and policy issuance authority and as such, is your connection to both the primary Personal Excess Policy and the excess Personal Umbrella Policy.
Underlying Coverage Required
| ALL UNDERLYING CARRIERS MUST BE RATED B+ OR BETTER IN AM BEST’S GUIDE |
Type of Policy
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Minimum Limits Required
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Comprehensive Personal Liability
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300,000 combined single limit
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Automobile/Recreational Vehicle
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500,000 combined single limit
or
500,000/500,000 bodily injury
100,000 property damage
or
for additional premium charge
250,000/500,000 bodily injury
100,000 property damage
(see exceptions below under “Driving Record”)
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Watercraft
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500,000 combined single limit
or
500,000/500,000 bodily injury
100,000 property damage
$300,000 is not acceptable if there are youthful drivers on policy and a Personal Water Craft
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Rental Units
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300,000 combined single limit
(Must include personal injury coverage)
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Ineligible Risks COVERAGE HIGHLIGHTS & AVAILABILITY Primary Personal Umbrella Policy Policy Features: - $1, $2, $3 $4, $5 and $10 million in liability coverage
- Only $1 million in coverage is available in AK, IN, NJ, WV & VT
- Up to $5 million in coverage is available in the states of NJ & WA
- Insureds with up to 4 moving violations are acceptable
- Insureds with one DUI or other major violation are acceptable
- Driver exclusions are available in all states except AR & WI
- UM/UIM coverage up to $1 million ($100.00 per vehicle) is available in the states of AK, IN, NH, VT & WV.
- Motorcycles, ATVs, snowmobiles & personal watercraft okay
- Residential farms are usually acceptable
- Coverage for vacant land, apartment units & rental units
- Entertainment, sports & political personalities are acceptable with special rating
- Worldwide Coverage
Excess Personal Umbrella Policy Use this policy in combination with the primary umbrella policy to provide very high limits of coverage for very low premiums! Policy Features: - $1, $2, $3 $4, $5 million limits in excess of underlying umbrella
- Entertainment, sports & political personalities are acceptable with special rating
- Worldwide Coverage
Both the primary umbrella product and the excess umbrella product are currently available in all states EXCEPT CT, NY & LA. Members in AK, CA, HI, OR, and WA should contact their state association for applications and rates.
REQUIREMENTS FOR QUOTING & BINDING Log on to www.bigimarkets.com. Not yet registered for Big “I” Markets? Click here and register online. It is easy to do and there are no fees or minimum volume commitments! From the personal lines menu select Personal Umbrella Alternative Market Click on 'Request a Quote' and enter the requested information. Download, complete, and save the appropriate Supplemental Application. [You MUST finish and submit the online portion as well] The application may be downloaded ahead of time from Product Resources located in the blue, left-hand column.
- The application MUST be completed in its entirety and signed by the applicant.
- Attach the separate application using the 'New Message' feature. If you are unable to attach one or both of the applications you may fax them to 703-995-4406 and we will attach them for you.
- Include the gross premium which may be sent as either:
- Insured's check made payable to Scottsdale
- Insured's check endorsed to Scottsdale
- Your gross or net agency check with application
- Applications cannot be processed if the premium calculation is incorrect or is less than the net premium.
- To request to bind coverage, access the record in the Activity Box, click 'Request Binder' and complete the requested information.
- The underwriter will respond with the terms of binder confirmation or the need for additional information.
- Ask or answer any additional questions and communicate with the underwriter by sending it via 'New Message'.
If accepted the Effective date will be the day of receipt by A&M as posted on Big "I" Markets with completed application and a check (or later date if requested). COMMISSION & POLICY ADMINISTRATION Commission is 9.9% of written premium paid to your agency. It will be paid generally within 60 days of policy issuance if you are signed up for EFT commission payment. ENDORSEMENTS, CANCELLATIONS, & RENEWALS Endorsements - You should submit endorsement requests correcting name, address, etc. to Big 'I' Markets. The producer may make no changes. Renewals - An updated PEP application is required to process the PEP policy renewal. A&M Services will run MVRs for each operator for renewals. The insured must sign the PEP application which includes an underlying limits warranty clause.
Renewal notification and processes will be in accordance with your state's requirements: - First notice: Renewal quotes based on last year's policy information will be sent to the insured and the producer. The renewal quote letter will also include instructions for the insured to contact the producer to renew the PEP policy.
- Second Notice: &M Services will forward a second notice of renewal to the producer. If renewal premium is received and duly recorded by the PEP administrator, A&M Services, on or before the expiration date, coverage will be continued without lapse.
- Late payment: If insured's payment is received late, a new policy will be issued.
When renewal premium is received, commission will be credited to your account.
PEP policies you write will be extended only to the expiration date should IIABA membership become inactive. Non-renewal - The carrier may choose not to provide a renewal offer to an insured for reasons such as excessive claims activity or other permitted underwriting reasons. In keeping with state regulations such a decision will be conveyed to you before formal cancellations procedures are initiated. Cancellations - Send original policy or lost policy release with your request for cancellation. All cancellations and return premiums will be acknowledged by you and processed as entries to your production statement. You will return premiums due to the insured. Policies will be cancelled pro-rata as of the date Big "I" Markets receives a valid cancellation request. No flat cancellations for non-payment are permitted. CLAIMS REPORTING To provide policyholders with better claims service, please report any claims or related questions to: A&M: 1-888-263-2922
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