"Our success is not because of the coverage we offer. It's because of the people who write the policies."


RLI Personal Umbrella

TERRITORY

  • California – Arizona and various states

SERVICE

  • Easy online quoting
  • Electronic Signature Available
  • Self?underwriting application
  • Commission 10%

GUIDELINES:

  • Umbrella Limits 1M /5M
  • 1M optional excess U/M ? UIM
  • Auto Underlying as low as 100/300/50
  • No vehicle or property lists
  • No information on underlying carriers
  • No age limit on drivers

ABILITY TO WRITE OVER:

  • Up to 10 vehicles per household for 1M
  • Up to 10 properties per household (max 5 Rentals)
  • Moving violations per household up to 6 (2 if over 70)
  • At fault accidents up to 3 (1 if over 70)
  • DUI/DWI – 1 per household (not available <22 or > 79)

MINIMUM PREMIUM:

  • Varies by state and territory

 

Personal Umbrella

DIFFICULT TO PLACE

  • Admitted, A.M. Best rated A XV program
  • Primary Umbrella/Excess Umbrella
  • $1MM – $5 MM limits ($6MM – $10MM available in California)
  • $1MM – $2MM optional excess UM/UIM
  • High-profile, Elected public officials, Professional athletes, Entertainers, Actors, Actresses, etc
  • Ability to write over driver exclusion endorsements

  • Competitive rates on watercraft, jet ski, snowmobile and quads
  • LLCs, estates and trusts
  • Drunk drivers and moving violations
  • Farm/Ranch (FCPL) acceptable

  • Non-Admitted Carriers acceptable with A.M. Best B+VIII or higher

  • Lloyds’ underlying acceptable as primary carrier
  • Demo tech rated underlying carriers acceptable
  • Excess over a Primary Umbrella

  • No application required at renewal
  • Policy issued within 48 hours
  • 100% direct bill for new and renewal business
  • 10% commission, new business

 

Contact: Personal Lines Department

Direct: 949-488-2255 / 800-488-4096
Fax: 949-488-2259
Email: PersonaUmbrella@kinginsuranceca.com