What is Monoline Insurance and Why You Should be Quoting It

Independent insurance agents are trusted advisors, problem solvers, advocates, and guides for clients navigating the complex world of risk. One critical piece of protection often overlooked is the personal umbrella policy (PUP). While many carriers once bundled this with home and auto insurance, the landscape is shifting. That's where Monoline Insurance comes in.

What is Monoline Insurance?

Monoline Insurance is a standalone personal umbrella policy, coverage that sits on top of underlying home and auto policies to provide additional liability protection. With Monoline, agents can quote $1M to $5M in umbrella coverage, with an optional extra $1M for underinsured/uninsured motorist protection.

This type of policy is essential for safeguarding clients from large liability claims or lawsuits that exceed the limits of their primary coverage. In today’s litigious environment, that’s more important than ever.

Why Personal Umbrella Insurance Matters More Than Ever

We’re seeing more “nuclear verdicts,” civil judgments with payouts in the millions, sometimes tens of millions of dollars. The reality is that a serious auto accident or an injury on a client’s property can quickly exceed their primary liability limits. Without a personal umbrella policy in place, their savings, home, and future earnings could be at risk.

Clients with any of the following characteristics are especially vulnerable:

• Youthful drivers in the household
• Motorized toys like jet skis, snowmobiles, motorcycles, or boats
• Rental properties or multiple residences
• Significant assets to protect

If they fall into one or more of these categories, they need more than standard liability coverage, they need a personal umbrella.

Why Umbrella Coverage Is Falling Through the Cracks

Traditionally, umbrella insurance was included as part of a comprehensive home and auto package with major carriers. However, many insurers are pulling back, dropping either home or auto coverage, and unbundling these packages. When that happens, the umbrella policy often gets left behind.

The result? Exposed clients and agents scrambling for standalone options.

The Problem with Traditional Standalone Options

Until recently, finding standalone umbrella coverage meant turning to carriers with outdated processes. Agents were stuck filling out paper applications, faxing documents, and waiting days, or even weeks, for quotes and approvals. Payments were a hassle, policy changes were cumbersome, and customer service was nearly nonexistent.

For agents trying to do right by their clients, the traditional process was frustrating at best and a deterrent at worst.

Enter Monoline: A Better Way to Quote and Bind Personal Umbrella Insurance

At Monoline, we’ve set out to fix this broken process. We’ve reimagined how agents quote, bind, and manage personal umbrella policies, and built a platform that puts you, the agent, at the center of everything.

Here’s what makes Monoline different:

• Instant Online Quoting: Create a quote in minutes with our free-to-use platform. Just answer a few eligibility questions up front, and you’ll know immediately if your client qualifies.
• Automatic Approvals: Most applications are instantly approved. If a case requires underwriting review, we respond within 24 hours, and often the same business day.
• Simple Payment Options: Submit client payment info yourself or send them a secure link. We accept e-checks and credit cards for instant binding.
• Real-Time Policy Documents: We’ll send policy docs directly to your client and copy you, no follow-ups required.
• Always-On Support: Our live chat is available on every page, manned by real people ready to help.
• Effortless Policy Management: Our dashboard makes it easy to view, search, and update all your policies. Make changes, issue endorsements, and see updates in real time.
• IVANS Integration: All policy and commission data is automatically downloaded into your agency management system.
• Seamless Renewals: We handle renewals automatically, ensuring continuous coverage for your clients.
• Competitive Commissions: Earn 15% on new business and 10% on renewals.

Why Agents Love Monoline

We’ve heard it time and again: agents appreciate the time savings, simplicity, and transparency Monoline brings to the process. It’s not just faster, it’s easier, cleaner, and designed with you in mind.

When you don’t have to chase paperwork, follow up on approvals, or spend hours on hold, you can do what you do best: build relationships, solve problems, and grow your business. See what agents are saying about us.

Who Should You Be Quoting?

The short answer? Everyone with assets to protect.

Start with clients who:

• Have teen drivers
• Own boats, motorcycles, or off-road vehicles
• Rent out property
• Serve on nonprofit boards
• Host guests frequently
• Have net worth above their liability limits

Umbrella coverage is one of the most cost-effective ways to dramatically increase liability protection. For just a few hundred dollars per year, clients can add millions in coverage.

Let’s Get Started

If your current standalone umbrella provider doesn’t make things easy, it’s time for a change. Monoline guarantees you’ll place business with us in half the time, and enjoy the process a whole lot more.

So, why wait? Let’s close the umbrella gap together. Start quoting Monoline today and give your clients the protection they deserve with the speed and support you deserve.

We’re grateful for the opportunity to partner with agents like you. Let’s build something better, together.

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