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.
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.
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.
This policy will take up to eight drivers total.
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.
Yes, this program accepts up to 4 drivers 70 years old or older.
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.
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.
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
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.
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.
RLI requires $300,000 per occurrence regardless of the carrier providing the underlying homeowner's coverage.
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.
Personal Injury is covered under this policy unless is specifically excluded on the policy contract.
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.