When do we use RLI Insurance for Georgia clients?

We use RLI Insurance for Georgia clients mainly when someone needs a standalone personal umbrella policy, meaning extra liability protection that sits on top of your home and auto coverage but is purchased from a separate company. An umbrella policy adds an extra layer of liability, usually starting at $1 million, that kicks in after your auto or home liability limits are used up. RLI is available through Olive Cover and is one of the cleaner ways to add that protection without rewriting your other policies.

The standalone part matters. Many umbrella policies require you to also carry your home and auto with the same company. RLI does not, so we can leave your existing homeowners insurance and auto insurance exactly where they are and simply bolt on an umbrella. That flexibility is useful when your underlying carriers are already a good fit and you do not want to disturb them just to add liability protection.

We typically recommend an RLI umbrella when:

• You have meaningful assets to protect, such as home equity, savings, or future income.
• You own a pool, a trampoline, a dog, or rental property that raises your liability exposure.
• You have teen drivers in the household, which increases the odds of a serious auto claim.
• Your current home and auto carriers do not offer a competitive umbrella themselves.

Here is an example. A family in Alpharetta owns a home with a pool and has two teen drivers. A standalone $1 million RLI umbrella might cost roughly $200 to $300 a year. If a guest is seriously injured at the pool and the claim reaches $750,000, the home liability limit of $500,000 pays first, and the umbrella covers the remaining $250,000. Without it, that gap would come out of the family’s savings or future paychecks.

RLI generally requires you to carry minimum underlying liability limits, often $250,000/$500,000 on auto and $300,000 on the home, before the umbrella will sit on top. We confirm your underlying limits meet those requirements and adjust them if needed so there is no uncovered gap between your base policies and the umbrella insurance. RLI is one of several umbrella markets available through us, and we compare it on price and required underlying limits before recommending it. To see whether a standalone umbrella makes sense for your assets, get a free coverage review at /coverage-review/.