Trusted. Secure. Blazing Fast!
As an Account Executive in California, you know that trust and speed matter across a state as diverse and fast-moving as this one. Whether you're serving high-net-worth clients in Los Angeles, families in the Bay Area, or homeowners along the coast, strong relationships set you apart. While other carriers have pulled back or exited the state altogether, Monoline is doubling down, combining our standard admitted policy with a new E&S offering to keep full coverage available for your clients, with no new restrictions.
Get to Know the Monoline Policy.
- Sits on top of any underlying insurance policies of carriers with B+ or better rating
- Accepts auto limits of $250k/$500k/$100k
- $1M to $5M limits with an optional $1M UM/UIM
- Accept both short-term and long-term rentals
- Competitive premiums – maximum protection at accessible rates
- Coverage over motorcycles, boats, jetskis, RVs, and golf cart policies
One of the best processes I have seen in a long time.
Thank you for a great product that works! Simpler than any umbrella policy I have ever written in 39 years! And the price is right!
It was seamless to quote & issue the new policy. I wish all systems were this easy to use.
It was very smooth! Love the direct payment link and your team has been very responsive.
Thank you guys for making it so easy to not only write, but to allow the insured to make the payment directly after sending the quote and payment request to their email.
I LOVE Monoline...wish I could write these all day long. The portal is a breeze and love having a chat option.
The application process was very easy to navigate and it’s great that Monoline accepts underlying auto liability bodily injury limits of 250/500/100. I like how the application and payment link can be emailed to the client in order to bind the policy. The ease of doing business is very impressive.
Everything was extremely easy and smooth.
I thought the process was clear and easy to follow...I especially loved the option for the client to sign and pay online — it made everything feel seamless and efficient.
Monoline continues to be one of the best quoting systems I have ever used. The layout flows nicely and is very easy to navigate.
Your program is ridiculously simple and efficient. A great find for us.
The process went very smoothly on my end. I didn’t run into any hiccups, and the platform was very simple to navigate, which I always appreciate.
One thing I really like is that Monoline accepts such a wide range of carriers. That flexibility makes a big difference for us and is a huge plus.
The process was super easy. The quoting system is one of the best.
Everything went smooth. It was easy to send the link to the insured and have them make the payment.
It was VERY user friendly and easy to do.
In my 48 years in insurance, I have never experienced a better platform for issuing Personal Umbrella Policies. The Monoline.com system provides easy to follow prompts making the application and issuance process quick and easy while providing peace of mind that our clients are protected with AM Best “A” rated carriers. Thank you for helping us provide our clients with this much needed professionally designed protection.
Thank y'all for making the process super easy and efficient. I'm impressed!
Honestly, the process was very efficient and user friendly. Underwriters responded promptly with answers to my questions either via email or the chat feature.
It was too easy! I absolutely loved the system. Seems too good to be true!
I'm loving Monoline. The website usability and fast response for approvals are the best thing since sliced bread!
This was one of the easiest formats to quote and bind a policy with!!! I LOVE how the quote pre-qualifies the risk before you go very far and waste time just to decline it. Thank you for that. I wish all companies had the same ease of doing business.
Very easy, smooth process and looking forward to writing more.
I really loved the platform! 😍 It's very easy to navigate and very straightforward, which made the whole process smooth and enjoyable. I didn't run into any issues and found everything intuitive.
It was too easy! I'm a convert.
It was so easy! From quoting to issuance, it was a breeze. I had a question during the process, and the team was very responsive and helpful. I like that I could add my email in the CC line for emails that go to the insured.
I just wanted to say that I found the system very easy to manage, and your team has been fantastic with communication.
The entire process was incredibly easy! I was amazed at how quickly I was able to get the quote, navigate the website, and answer the simple questions. Being able to send everything to the client right away was a huge plus. It's important for us to be fast and efficient for our clients, and this system makes that possible.
I just told my team that there's no reason to be afraid of quoting and binding umbrella policies—that Monoline has effectively removed all the pain points we previously dealt with.
Thank y’all! I love the ease of the quoting platform and that we can send a direct link for the insured to pay.
I love Monoline. You have a very simple software program that really makes our lives less stressful, not to mention, our clients understand it.
I absolutely love it! It could not be easier and the simplicity of it was amazing. I will be using it a lot more from here on out. 11/10!
We are LOVING Monoline… making the umbrella process so fast and easy for us (and the customers)!
You guys are the best! We just did a team call and I told everyone to make sure they’re quoting you guys for their umbrellas.
The quoting and binding process with Monoline was great. It was simple and user friendly. Also, the process was quick. Thank you for allowing me to provide a quality umbrella policy for my client!
The process was super easy, smooth, and simple. My client loved it as well!
This was the easiest process I have experienced with any of our umbrella carriers. The website is easy to use, communicating with Monoline underwriting is simple, and the guidelines are very open to our clients and their unique programs. Very great experience!
Monoline is your Agent Ally in California
– an insurance carrier built for independent agents in California who serve high-net-worth clients in Los Angeles, the Bay Area, and Orange County. Monoline offers a faster, more flexible way to manage personal umbrella policies while delivering the level of service and precision these clients expect.
Free Live Training Webinars
Every month, Monoline's senior underwriter, Janessa Vanderheyden hosts two live training sessions on the Monoline platform. Pick a date and time that works for you, and sign up to join us for FREE!
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The Umbrella Conversation Series - Part IV: Selling Personal Umbrella as a Long-Tail Product: A Framing for Renewal and New Business Conversations
Because umbrella coverage responds to when an incident occurred rather than when a claim is filed, a policy can respond to lawsuits filed years after the original event. This makes umbrella policies a long-tail product where protection extends years beyond the policy period. This is how you can talk to clients about this.
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What Is Your Personal Umbrella Selling Style?
Monoline’s Umbrella Selling Style Quiz helps agents pinpoint their unique selling style and deliver a tailored script to match.
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The Umbrella Conversation Series - Part III: How to Recommend the Right Umbrella Limits with Confidence
How can AEs recommend the right umbrella coverage for their client as well as make larger limit recommendations confidently? Let's look at how AEs can position themselves as trusted advisors rather than pushy salespeople.
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Monoline Is Officially Live In Oregon
Hey PNW agents — this one's for you. We're excited to share that Monoline is now officially live in Oregon, bringing fast, reliable stand-alone umbrella insurance solutions to the Pacific Northwest. This expansion brings Monoline’s groundbreaking personal umbrella quoting platform to 47 states and counting.
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Insuring High-Profile Clients: A Practitioner's Q&A on Target Risks
High-profile individuals — athletes, entertainers, executives, politicians — represent one of the most nuanced and consequential segments in personal lines insurance. In this conversation, Will Steck, who has spent over five years specializing in coverage for high-profile clients, talks through how he evaluates, presents, and ultimately places complex risks with precision and discipline.
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The Umbrella Conversation Series - Part II: How to Make Personal Umbrella Coverage Click With Clients
How can AEs explain personal umbrella coverage and limits in a way that is easy for clients to understand? A client who has sufficient understanding about their risks and options will be able to make confident and practical coverage decisions.
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The Umbrella Conversation Series - Part I: Why Personal Umbrella Limits Are So Hard for Clients to Understand
Umbrella insurance can be a hard topic to wrap one’s head around. Client hesitation around umbrella coverage isn’t usually about distrust. It’s about how people naturally make decisions about risk. Let's explore how AEs can reframe the conversation from limits to liability.
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Why Human Support Still Matters Most in a Technology-Driven Insurance Industry
Monoline’s superpower isn’t just our technology. While we’re proud to be a technology-driven, innovative insurance platform, real human support remains one of our favorite, and most impactful, features.
