Big "I" Advantage is the products and services subsidiary of IIABA. We have a nationally licensed insurance agency and publish the award-winning Independent Agent magazine.

RLI's PUP stands atop your existing homeowner and auto insurance to provide an extra layer of personal liability protection for you and your family. With RLI's PUP program, you can maintain your auto or home coverage with whatever insurance company you choose, provided you agree to maintain the mandatory minimum underlying coverage limits. See application page 3 for underlying coverage limit requirements.

The RLI PUP program provides the best protection for you and your family. The policy may be written either in the name of an individual, in the names of both spouses, or in the names of two unrelated individuals as long as they reside in the same household. The insured’s spouse and members of the insured’s household who are relatives or are in the insured’s care and custody are insured under the policy.

• $1-, $2-, $3-, and $5-million liability limits are available

• Coverage is available in all states and the District of Columbia

• Optional auto underlying limits of $100/300/50,000 available for risks without youthful operators

• Broad underwriting guidelines allows easy qualifying for the program

• The application is self-underwriting so you know as soon as completed whether or not qualified for coverage

• Competitive premiums are offered for all coverage limits to keep RLI personal umbrella coverage affordable

The applicant qualifies through a series of 23 questions on the self-qualifying/underwriting application. Refer to application for the underlying limits requirements.
 

* Do not count antique/classic/collectible autos, as these are counted separately on the application. Up to 25 are permissible.

The rating structure is designed to offer reduced premiums to your clients with lower levels of exposure.  The same excellent coverage is available in all three rate tiers.

To obtain rates for your state, please click here to download a list of state administrators.

Writing a RLI personal umbrella policy is very simple! Start by printing a RLI Personal Umbrella Policy Application. If you would like a preliminary quote, complete the self-explanatory application and then find the rate sheet applicable to your state. Once you have printed the completed application and verified that the risk qualifies for a policy, follow the submission Helpful Hints or contact/send to your Approved IIABA/RLI Administrator.  Do not send applications and premiums to IIABA or RLI directly. Instead, click here to download a list wherein you can find the name, phone and fax numbers, and e-mail addresses of your state administrator. Click here to read or print the RLI Privacy Policy and their Disclaimer.

For more information, please download and reference the documents below, contact your state association or e-mail Big “I” Advantage at bigimarkets@iiaba.net.

• Program Summary and Coverage Highlights
• Application
• Approved IIABA/RLI Administrators
• Underwriting Strategy
• Insurer Credentials
• Helpful Hints
• Free Marketing Materials
• Personal Lines Coverage Checklist Sample

Home-based business owners are susceptible to losses just like any other business owners. Many discover that their homeowner’s policy contains exclusions for business pursuits—but usually not until after they have suffered a loss.

RLI’s @Home Business policy, endorsed by IIABA, responds to the needs of over 100 eligible business classes on an ISO BOP form. Premiums starting at $150, competitive commissions, easy underwriting and a self-rating application should make this product an easy sell. More and more people are operating small, home-based businesses. RLI's @Home Business Policy offers them comprehensive coverage for business personal property (both on-premises and while temporarily off-premises), along with up to $1,000,000 in business general liability protection. Loss of business income coverage and medical payments are also included.

• Policy Features
• Coverage Highlights
• Eligibility
• Writing Your First @Home Business Policy
• Application
• Terrorism Coverage Rejection Form
• Rating Guide
• Exception States Rating Guides (click for state specific guide):
  AK,  CA,  DE,  FL,  GA,  HI,  IA, LA,  MI,  MS,  NM, NY,  ND,  PA,  WA,  WV
• Big "I" Markets Online Registration
• Free Marketing Materials

RLI's @Home Business Insurance Policy is specifically designed to meet the insurance coverage needs of eligible home-based businesses at affordable prices. With pricing starting as low as $150, the policy includes coverage for theft or damage to business property, liability coverage for clients visiting an insured’s home for business purposes and liability coverage away from home in case of damage to other people's property. Features include:

• Designed for small retail and service risks operated from the insured's residence and presenting minimal product liability, professional liability and off premises exposures

• Complete list of eligible business classes (100+), published here

• Uses a self-underwriting application so you know immediately whether or not a risk qualifies for coverage

• Offers more coverage than standard homeowners endorsements, with a much lower price than a traditional BOP

• Optional coverages available for increased personal property limits, money and securities, electronic data processing equipment and additional insureds

• Basic rates start at $150

The RLI @Home Business Policy provides comprehensive coverage on a stand-alone basis. This program reduces the risk of operating a home-based business by providing general liability insurance and business personal property coverages. The policy includes coverage for theft or damage to business property, liability coverage for clients visiting the insured’s home for business purposes and liability coverage away from home in case of damage to other people's property.

What qualifies as an @Home Business? An @Home Business includes a retail or service business operated from the insured's place of residence and having the below characteristics. The @Home Business must:

• Be operated by the insured and/or another immediate family member who resides in insured's household,
• Employ no more than ten (10) employees, other than independent contractors or distributors,
• Be incidental to the occupancy of the building as a private residence,
• Have a maximum of $50,000 business personal property, and
• Have a maximum gross annual sales/receipts derived from the business activity of $250,000 for sales or merchandise or $500,000 for a service business.