Who are the Top Standalone Personal Umbrella Insurance Carriers in the Market (2025)?
A Guide for Account Executives Looking to Place Exceptional Coverage
When it comes to protecting your clients from life’s unexpected curveballs, standalone personal umbrella policies (PUPs) are an essential tool. But not all umbrella carriers are created equal, and when you're looking for flexible underwriting, high limits, and fast turnaround times, the right partner makes all the difference.
Here’s a look at some of the top standalone personal umbrella insurance carriers in 2025. These providers are known for ease of use, strong financials, and a willingness to write risks others won’t.
1. Monoline (yours truly)
Built for Today’s Account Executive
- Coverage Limits: $1M–$5M
- Why Agents Love Us:
- We accept underlying policies from B+ AM Best–rated carriers or higher
- We include coverage for motorcycles, RVs, golf carts, and watercraft
- We cover short- and long-term rental properties
- We offer uninsured/underinsured motorist liability coverage
- We offer online payment options (credit card or e-check), including the ability to email your client a link so they can enter payment details themselves.
- We offer automatic renewals so there's never a gap in coverage.
Monoline was purpose-built for agents who want a modern, seamless platform that saves time and enhances service. Bonus: Policies meeting underwriting guidelines are instantly approved and ready to bind.
Monoline is your Agent Ally, and we offer friendly, expert customer service with real people, all day long. Our Senior Underwriter, Janessa Vanderheyden is available to provide quick underwriting review for those tough-to-place cases, and we're always happy to hear from you!
2. PersonalUmbrella.com
- Coverage Limits: $1M–$10M
- Why Agents Choose Them:
- Specializes exclusively in standalone umbrella coverage
- Willing to write challenging drivers (youthful, senior, or with violations)
- Available in 45 states
- Quick, streamlined quoting experience
3. RLI Insurance
- Coverage Limits: Up to $5M
- What Sets Them Apart:
- A+ rated admitted carrier
- Popular for hard-to-place risks
- Online application, e-signature, and direct billing at renewal
4. Chubb
- Coverage Limits: $1M–$100M
- Agent Highlights:
- Designed for clients with complex assets
- Worldwide liability, including cyber, defamation, and more
- Offers high limits and options like cash settlements
If your client has a private jet and a vineyard, this is your carrier.
5. PURE Insurance
- Coverage Limits: $5M–$25M
- Tailored For:
- High-net-worth individuals seeking a white-glove experience
- Includes risk prevention consults and premium loss mitigation services
PURE is a concierge-level approach to personal liability protection.
Final Thoughts
As personal liability exposures grow, from short-term rentals to rising jury awards, personal umbrella coverage has never been more important. The key is matching the right product to the right client. Whether you’re protecting a busy family, a real estate investor, or an ultra-high-net-worth individual, today’s top standalone umbrella carriers give you the flexibility and confidence to place coverage that truly fits.
Looking to simplify your next placement or want help comparing options? We’re always here to support you.
