RLI Personal Umbrella & Home Business Policy

RLI Personal Umbrella Policy

RLI's PUP stands atop the existing homeowner and auto insurance to provide an extra layer of personal liability protection for the insured and their family. With RLI's PUP program, the insured can maintain their auto or home coverage with any company they choose, provided they agree to maintain the mandatory minimum underlying coverage limits.

Endorsed Market - RLI PUP

  • Limits up to $5 million available

  • 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.

The RLI PUP program provides the best protection for the insured and their 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.                                      

RLI Home Business Policy

A necessary policy for the new cottage industries. This policy is underwritten by RLI and provides basic property coverage and liability coverage for persons operating businesses from their homes (excluded on their homeowners policy).

An RLI Home Business Insurance policy includes:

  • Coverage for theft or damage to your business property (inventory and equipment!),
  • Liability coverage for clients visiting your home on business, and
  • Liability coverage away from home if others' property is damaged.
  • Premiums starting at just $150, for certain businesses.

Highlights of the form include:

  • Up to $1,000,000 in business general liability coverage, both on and off the residence premises.

  • Up to $100,000 in business personal property limits for protection at home and while temporarily off premises.

  • A standard $250 deductible.

  • Up to $5,000 per person for medical payments to customers or vendors injured on your premises.

  • Optional coverages for money and securities.

  • Available in all states and the District of Columbia, regardless of the carrier providing your homeowner coverage.


To sell both the RLI Umbrella and RLI In-Home Business policy, an RLI producer and IBSC Sub-producer agreement must be completed. Download the agreements below and submit to our insurance department at insurance@iiamd.org or fax to 410-766-0993.

RLI Producer Agreement

IBSC Sub-producer Agreement

How to Submit Business:

To submit business, forward the completed RLI application with a full premium check to:

Insurance Department

c/o IBSC

2408 Peppermill Dr., Ste A

Glen Burnie, MD. 21061


We only accept agency's checks made payable to IBSC for new business.

Renewal Business is 'Direct Bill'

Insured's who wish to pay their renewal premium via credit card, may call RLI Direct at 1-866-302-7925 and select Option #1.

Beginning in March 2015, Home Business Insureds will be capable of paying their renewal premium online.  Insureds may go to easypay.rlicorp.com/HomeBusiness

Another Umbrella Market also available:

A&M Personal Excess Policy

Any questions regarding RLI PUP & HBI  or the A&M Program should be directed to Carla McGee, ACSR, RPLU, at carla@iiamd.org or 410-766-0600 Ext:100.

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