What is a Personal Umbrella Policy?


Accidents Happen.  That's why people have homeowners and auto insurance. However, if your customers aren't protected by a personal umbrella policy, they could be putting their homes or financial assets at risk.  A personal umbrella policy (PUP) would substantially increase your customer's overall liability coverage with an extra layer of protection beyond the basic coverage provided under their homeowners and auto insurance policies.  This low cost policy is designed to protect your customers and their families against a catastrophic lawsuit or judgment.

RLI's Personal Umbrella Policy (PUP) stands atop your client's existing homeowner and auto insurance to provide an extra layer of personal liability protection.  With RLI's PUP program, your client can maintain their coverage with whatever insurance company they choose as long as minimum underlying coverage limits are met.
RLI’s In-Home Business Policy (BOP) is designed for small businesses which are operated out of a person's home. An individual who conducts such an enterprise may find it difficult to find appropriate and affordable insurance through a conventional commercial lines approach. Yet, the homeowner's policy on the residence normally excludes any liability arising from "business pursuits." This product is specifically targeted for small retail and service businesses operated from the insured's residence that present minimal product liability, professional liability, and/or off-premises exposures.