Extra Protection When Life Takes an Unexpected Turn
Sometimes a single moment can change everything. A serious auto accident, an injury on your property, or a lawsuit stemming from everyday activities can quickly lead to expenses that exceed standard insurance limits. That’s where RLI’s Personal Umbrella Policy (PUP) helps provide an extra layer of protection.
RLI’s Personal Umbrella Policy is designed to help safeguard customers’ financial futures by extending liability coverage beyond the limits of homeowners, auto, or other personal insurance policies. In today’s world, where lawsuits and settlement costs continue to rise, additional protection can make a meaningful difference.
Consider this scenario: A policyholder is involved in a multi-vehicle accident this summer travel season. Several individuals are insured and damages quickly surpass the liability limits of the underlying auto policy. Without additional coverage, the policyholder could be responsible for paying out-of-pocket costs, potentially putting savings, investments, and future earnings at risk. With an RLI Personal umbrella Policy in place, the customer has added protection when they need it most.
“In today’s difficult market, we often have to split risks between multiple carriers to get our clients properly covered. RLI is invaluable in these situations because they write standalone umbrella policies regardless of who holds the underlying coverage. That flexibility lets us build a complete liability program for clients even when their primary policies aren’t consolidated with a single carrier.”
– Brett Buechner, Beuchner Insurance
What sets RLI apart is not only the coverage itself, but also the people behind it. Unlike many insurers, RLI handles claims in-house. Customers benefit from experienced claim professionals who understand the importance of timely communication, thoughtful guidance, and personalized support throughout the claims process. RLI’s in-house expertise allows us to work closely with customers and agents to help navigate complex situations with care and efficiency.
RLI’s financial strength also gives customers confidence that we will be there when it matters most. RLI has earned an A++ (Superior) rating from AM Best and an A rating from Standard & Poor’s, reflecting the company’s long-standing commitment to financial stability and responsible growth. RLI has also been named to Ward’s Top 50 insurance companies every year since the list began in 1991.
For more than 60 years, RLI has focused on delivering specialized insurance solutions, backed by deep expertise and strong relationships. Our Personal Umbrella Policy continues that tradition by helping individuals and families protect what they’ve worked hard to build.
When the unexpected happens, added protection matters. To learn more about RLI’s Personal Umbrella Policy, click here or contact Rachel Davis at (614) 552-3086 or rachel@ohioinsuranceagents.com.
About the Author:
As the Education Program Manager at OIA, Rachel combines industry knowledge with 15 years of experience in instructional design and adult learning to create practical, engaging training for independent agents. She holds a P&C license and the Certified Insurance Counselor (CIC) designation. In addition, Rachel administers the RLI Personal Umbrella Program, helping agents manage their clients’ policies. She is committed to providing responsive service and dependable support, helping agents navigate program requirements, resolve questions, and access the resources they need to confidently serve their clients.
