When do we use RLI Insurance for Georgia clients?
Olive Cover uses RLI Insurance for Georgia clients who need a standalone personal umbrella policy, meaning extra liability protection that sits on top of existing home and auto coverage without requiring those policies to move to a new carrier. Most umbrella policies require you to also hold your home and auto with the same company. RLI operates differently, which makes it possible to add a liability layer without disturbing coverage that is already working well.
What is a standalone personal umbrella policy?
A personal umbrella policy adds a layer of liability protection that activates after your home or auto liability limits run out. Coverage typically starts at $1 million and responds when a single claim exceeds what your underlying policy pays. For example, if a guest is seriously injured at your home and the resulting lawsuit reaches $750,000 while your homeowners liability limit is $500,000, the umbrella covers the remaining $250,000 rather than leaving that gap to come out of your savings or future income. To learn more about how umbrella coverage works in general, see what an umbrella policy is and how it works.
Why can RLI sit on top of your existing carriers?
Most umbrella carriers require that your homeowners insurance and auto insurance be placed with the same company before they add an umbrella. RLI does not impose that requirement. That flexibility matters when your current home and auto carriers are already a strong fit and moving them would mean losing a favorable rate, a long claims history, or a specialized coverage form. RLI simply sits on top of whatever underlying carriers are already in place. To understand how carriers are evaluated and selected, see how Olive Cover chooses which carrier to place you with.
When does an RLI standalone umbrella make sense in Georgia?
The situations that raise liability exposure most sharply are those where a single incident could exceed a standard policy limit. A household with a pool, a trampoline, a dog with a bite history, or rental property carries more exposure than average. Households with teen drivers also face higher odds of a serious auto claim, where damages can outpace a $100,000 or $300,000 auto liability limit quickly. For example, a family in Alpharetta with a pool and two teen drivers could add a $1 million RLI umbrella for roughly $200 to $300 a year, protecting home equity and savings that a large judgment could otherwise reach. Learn more about how umbrella coverage protects assets in Georgia.
What underlying limits does RLI require?
RLI generally requires minimum underlying liability limits before the umbrella will attach. Common thresholds are $250,000/$500,000 on auto and $300,000 on the homeowners policy. If current policies carry lower limits, those need to be adjusted upward before RLI will issue the umbrella. Confirming that no gap exists between the base policies and what RLI requires is part of the placement process. RLI is one of several umbrella markets available through Olive Cover, compared on price and required underlying limits before placement.
How do I find out if an RLI umbrella fits my situation?
A free coverage review with a licensed advisor maps your current liability limits, identifies the gap between your base policies and what an umbrella requires, and confirms whether RLI or another market fits your assets and household. The full range of umbrella insurance options available through Olive Cover is covered on the umbrella page.