Frequently Asked Questions

1. How many vehicles can qualify under the RLI Umbrella policy?
2. How many residential properties qualify under the RLI Umbrella Policy?
3. How many watercraft qualify under the RLI Umbrella Policy?
4. How many drivers can this policy accept?
5. Are young drivers acceptable?
6. Does this program accept drivers over the age of 70?
7. What underlying auto limits are required?
8. Will this program accept a DUI?
9. Does this policy extend protection to rentals of the insured?
10. Are there tiers on this program?
11. Does the program accept drivers with violations on their driving record?
12. Does the program cover additional properties of the insured that are located on other states?
13. What is the total amount of acreage per property allowed?
14. Are seatbelts or proof of insurance considered moving violations?
15. What is the required underlying HO liability limits?
16. Can the named insured be a family trust?
17. Is Personal Injury coverage afforded under this policy?
18. What is SIR and when does it come into effect?

1. How many vehicles can qualify under the RLI Umbrella policy?
   

   A maximum of 10 motorized vehicles that are licensed for road use that are owned, leased or regularly operated by the insured or any member of the household. Company vehicles used for personal use are included. All vehicles licensed for road use must be counted regardless of individual insurance.

2. How many residential properties qualify under the RLI Umbrella Policy?
   

   A maximum of ten residential properties owned or rented by an insured or any member of the household. You must include any property for which liability coverage is provided by a policy including Personal Liability coverage.

3. How many watercraft qualify under the RLI Umbrella Policy?
   

   A maximum of three watercraft, other than canoes, jet skis and wave-runners that are owned or regularly operated by the insured or any member of the household. Watercraft smaller than 14 ft, larger than 45 ft, or faster than 51 mph are excluded from coverage.

4. How many drivers can this policy accept?
   

   This policy will take up to eight drivers total.

5. Are young drivers acceptable?
   

   Yes, drivers under the age of 22 with at least one year of licensed driving experience, one driving incident considered and underlying auto limits of 500/500/100 or 500 CSL are acceptable. This program will accept up to 4 youthful drivers.

6. Does this program accept drivers over the age of 70?
   

   Yes, this program accepts up to 4 drivers 70 years old or older.

7. What underlying auto limits are required?
   

   Option A ($500/$500/$50 or $500 CSL per occurrence), is always required if there are drivers under the age of 22 in the household. Options B ($250/$500/$50) and C ($100/$300/$50), are available if there are no drivers under the age of 22 in the household. Option C is not an available option if there are drivers over the age of 69 and/or if the risk falls into the Standard II Tier.

8. Will this program accept a DUI?
   
   Yes, one per household with $500/$500/$50 or $500 CSL auto limits required.
   
   
   
9. Does this policy extend protection to rentals of the insured?
   

   Yes, this program extends liability to an insured s rental property as long as the following requirements are met: 1) The property in question was declared on the umbrella application (if purchased prior to applying for coverage). Properties purchased midterm would be automatically covered. 2) The property must carry the required limits of liability ($300,000). 3) The property in question must not have more than 4 units.

10. Are there tiers on this program?
    

    Yes, there are four existing tiers in this program, Preferred, Standard, Standard II and Special. The tier classification is determined by: number of violations for all drivers in the last three years, number of accidents for all drivers in the last three years, number of properties, and one DUI per household

11. Does the program accept drivers with violations on their driving record?
    

    Yes, the program accepts a maximum of six violations for all drivers in the last three years. Drivers under the age of 22 are allowed one violations. The program does not accept drivers with reckless driving, negligent driving convictions, a suspended license and/or a license revocation in the last five years.

12. Does the program cover additional properties of the insured that are located on other states?
    

    Yes, the program will extend coverage to properties anywhere in the United States as long as the insured s primary place of residence is in one of the 19 active states we are currently offering the program in. We can cover up to 10 properties inside the United States and five properties outside the United States.
    
    

13. What is the total amount of acreage per property allowed?
    
    Up to 1,280 acres per property is allowed.
    
    
14. Are Seatbelts or Proof of Insurance considered moving violations?
    

    No.

15. What is the required underlying HO liability limits?
    

    RLI requires $300,000 per occurrence regardless of the carrier providing the underlying homeowner s coverage.

16. Can the named insured be a family trust?
    

    No. RLI s system does not allow trusts as the named insured or additional insured. RLI recommends adding the trust as an additional insured to the underlying homeowners policy.

17. Is Personal Injury coverage afforded under this policy?
    

    Personal Injury is covered under this policy unless is specifically excluded on the policy contract.

18. What is SIR and when does it come into effect?
    

    SIR means Self-Insured-Retention. It works similarly to the deductibles in other policies. It comes into effect when protection for certain losses is not afforded under the underlying policies, yet the umbrella does not specifically exclude such a loss. In that case, the SIR is responsibility of the insured before RLI will pay out any amount. SIR is $500 everywhere except in TX where it is $1,000.