Trusted. Secure. Blazing Fast!
As an Account Executive in South Dakota, you know that trust, reliability, and personal connection are the foundation of every client relationship. Whether you are serving families in Sioux Falls, helping clients in Rapid City, or supporting rural households across the plains, Monoline simplifies the quoting and binding process for personal umbrella insurance. It gives you more time to focus on the relationships that keep your business strong and steady.
Get to Know the Monoline Policy.
- Sits on top of any underlying insurance policies of carriers with B+ or better rating
- Accept one major violation per driver (21+ years of age), plus no MVR
- $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
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!
One of the best processes I have seen in a long time.
It was seamless to quote & issue the new policy. I wish all systems were this easy to use.
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!
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.
Thank y’all! I love the ease of the quoting platform and that we can send a direct link for the insured to pay.
Monoline is your Agent Ally in South Dakota
– an insurance carrier built for independent agents in South Dakota who want more breathing room and a more efficient way to manage personal umbrella policies while serving clients who value trust, straight talk, and dependable service.
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!
Living the Values: Honoring Rachel Crump
In recognition of Rachel Crump’s strength and positivity, Monoline awarded her the first Living the Values honor, along with a $2,500 donation to the Flatwater Foundation, Rachel's charity of choice. Read how she continues to inspire our team and mission.
Automated Insurance Underwriting: How Monoline Is Streamlining the Standalone Umbrella Process
Independent agents are busier than ever, and the traditional process for placing standalone umbrella policies just doesn’t cut it anymore. Learn how Monoline’s automated underwriting delivers instant approvals, faster workflows, and a simpler experience for agents.
Can I Buy Umbrella Insurance Separately?
Yes, and more people are doing it. As traditional carriers unbundle home and auto packages, standalone umbrella policies like Monoline are stepping in to fill the gap. Learn what personal umbrella insurance is, why you need it, and how your independent agent can help you secure the coverage you deserve.
Struggling to Keep Your Umbrella Insurance Policy Rates Competitive/Low?
We break down what drives up personal umbrella insurance costs, and how Monoline helps agents stay competitive with strong commissions, easy quoting, and unmatched support.
Is an Umbrella Policy a Waste of Money in 2025?
With rising legal judgments and high-cost claims, an umbrella policy offers crucial liability protection for individuals with assets to protect. For just a few hundred dollars a year, it provides millions in coverage, making it a smart, affordable safeguard against financial loss in our increasingly litigious world.
Who are the Top Standalone Personal Umbrella Insurance Carriers in the Market (2025)?
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. Here’s a look at some of the top standalone personal umbrella insurance carriers in 2025.
Never Forget This Important Umbrella Insurance Rule of Thumb When Quoting for Clients
This article explains the key rule of thumb for personal umbrella insurance: if your client has assets or exposure, they need extra liability protection. From real-life scenarios to who needs coverage most, it highlights why umbrella insurance is essential, and affordable for many.
Who Needs Umbrella Insurance in Today’s Risk-Averse Environment?
In today's risk-averse environment, where personal injury lawsuits are on the rise and nuclear verdicts are becoming more common, umbrella insurance offers a critical safety net. It provides peace of mind, knowing that your assets and future earnings are protected against substantial legal claims.
What is Monoline Insurance and Why You Should be Quoting It
Many clients are exposed to legal liability without even realizing it. As major carriers continue to unbundle home and auto packages, umbrella policies are getting lost in the shuffle. Discover why standalone personal umbrella insurance matters more than ever, and how Monoline is simplifying the way independent agents quote, bind, and manage these policies. Fast. Easy. Transparent.