RLI Specialty Insurance

RLI

RLI Corp is a specialty insurer rated A+ Superior by AM Best. In personal lines, they are best known for their standalone personal umbrella policy, which writes independently of whether the underlying home and auto are with the same carrier. This is useful for clients whose underlying carriers do not offer competitive umbrella pricing.

This is what the claims process actually looks like based on published data and complaint records.

Claims Experience

Specialty carrier claims service. Competent on umbrella claims (which typically involve complex liability events). Less consumer-facing than standard market carriers, which is appropriate for the product.

Pricing Context

RLI's standalone umbrella is frequently more competitive than bundled umbrella from standard carriers, particularly at higher limits ($3M+). We compare before placing.

How They Compare

Competes with bundled umbrella from Travelers, Safeco, Nationwide, and Hartford. RLI often wins on limits above $2M and on clients who cannot bundle due to split home/auto carriers.