Personal Umbrella Policy
Access high-limit coverage through RLI and Hudson, with a team of dedicated underwriters, easy quoting, and no access fees.
Most clients need an umbrella!
With dangers lurking everywhere and increasing with changing seasons, milestones, and success, it’s critical your customers aren’t under-insured.
What are the risks of inadequate coverage?
- For customers: bankruptcy, loss of lifelong friendships, improper recovery options, frustration.
- For you: E&O exposure, threat of competitors taking your business, reputation, missed commission opportunities.
Without the right support, it’s not easy to grow your umbrella book.
We Understand Your Challenges
Our experienced team Would Love to support Your Umbrella Business.
We believe so strongly in personal umbrellas that our passion fuels exceptional customer support for agencies offering them. You call- we answer! For over 140 years, Big I NY has existed only to support businesses like yours. Our internal agency, IAAC, is the premier independent agency for independent agents. You gain a dedicated team that understands what it takes to get your customers covered.
Our Personal Umbrella Program supports you with…
Great Products
- Standalone umbrellas with highly-rated carriers, admitted & non-admitted
- Limits up to $10 million
- Excess uninsured/underinsured motorist coverage offered in all states
- No age limit on driver (RLI)
- Easy application process
- High-profile welcome
A Great Team
- Strong commissions
- Unparalleled customer service
- Dedicated underwriter
- Someone who will answer your phone call or email quickly
- Online portal
- Marketing tools to help explain the importance to customers
We make it easy to get started
Complete the Broker’s Agreement
Submit Your Agreement
Start Writing Business & Earning Commissions!
Meet Your Dedicated Underwriter
Your success partner, advocate & guide
Find your dedicated underwriter based on the first letter of your agency’s name.
MARKETS & RESOURCES.
We’re here to help you get customers protected while growing your personal lines business.
IAAC Broker’s Agreement
Download Agreement >
Declination Form
Download Template >
Market Snapshot & Links
Benefits For You
- Big I NY members earn 10% commission on new & renewal business
- No minimum volume requirements or access fees
- Does not require or desire writing of the underlying policies
- Easy online quoting
- Electronic signatures and online credit card payments accepted for accessing agents
- Self-underwriting application
- Immediate availability
- Exceptional customer service you want and deserve
Benefits For Your Clients
- Very affordable
- Covers above auto, home, boat, or rental properties
- Great solution for hard to place personal lines accounts
- Admitted and Now Admitted
- Immediate availability
- AM Best A+ Rated Carriers
A win for both of you!
RLI Applications & Forms
Benefits
- Primary umbrella up to $5 million
- Will write high-profile, professional athletes, politicians, properties in LLC, trust, and estate can be included*
- Excess umbrella up to $5 million can be written over primary umbrella, package umbrella*
- Comprehensive personal liability up to $5 million
- Can be written in the name of LLC, trust, estate
- May write over builder’s risk as long as a licensed contractor is performing the work*
- Excess comprehensive personal liability written up to $5 million
- Can be written in the name of LLC, trust, estate*
*Underwriting guidelines apply.
Hudson Applications & Forms