Easy umbrella placement.

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Get to know the Monoline Policy.

$1-5M excess liability

Explore Policy Details
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Get to Know the Monoline Policy.

a competitive, highly-rated, monoline personal umbrella policy that…
  • 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
Policy Details

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!

Kara
 
B
.
Client Manager, Private Client Practice
,
 
CCIG

One of the best processes I have seen in a long time.

Robert
 
M
.
Personal Lines Manager
,
 
Pasadena Insurance Agency, Inc.

It was seamless to quote & issue the new policy. I wish all systems were this easy to use.

Roxanne
 
M
.
Personal Lines Account Manager
,
 
Martin & Zerfross, Inc.

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!

David
 
H
.
Financial Advisor and Coach
,
 
Hogan Financial Services

I love Monoline. You have a very simple software program that really makes our lives less stressful, not to mention, our clients understand it.

Haley
 
H
.
Business Development Lead
,
 
Bowen, Miclette & Britt Insurance

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!

Waddy
 
B
.
Personal Lines Account Manager
,
 
WC Dillon Company, LLC

We are LOVING Monoline… making the umbrella process so fast and easy for us (and the customers)!

Kash
 
F
.
Agency Owner
,
 
Fadaie Insurance Services, Inc.

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.

Haley
 
S
.
Account Executive
,
 
Guaranteed Rate Insurance

Thank y’all! I love the ease of the quoting platform and that we can send a direct link for the insured to pay.

Savanna
 
S
.
Personal Lines, Priate Client Services Partner
,
 
Mizzona Insurance
people

Monoline is your Agent Ally in Texas

– an insurance carrier built for independent agents in Texas who take pride in doing things their own way and need a more efficient, dependable solution for managing personal umbrella policies across a fast-moving, high-expectation market.

The Monoline Team is made up of account executives just like you. We've built every aspect of Monoline to make the job of an account executive more streamlined.
Meet Monoline with Jan – Join us for a free webinar

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!

Next Webinar:  
Wednesday, August 20, 2025
11:00
 – 
12:00 pm
 
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SimpleSwitch
SimpleSwitch Saves Agencies Time, Boosts New Business

One year in, discover how SimpleSwitch is saving agencies hundreds of hours yearly, boosting new business and streamlining umbrella policy renewals.

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August 14, 2025
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August 14, 2025
Helping Clients Understand the Real Cost of Distracted Driving

Every second a driver glances at their phone, they could be one verdict away from a life-altering personal liability claim. Help your clients think beyond fender benders and focus on the bigger picture. With more litigation, larger settlements, and shrinking carrier flexibility, there is less room for error than ever before.

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July 24, 2025
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July 24, 2025
Why Big Carriers Are Dropping Umbrella Coverage

When other carriers pull back, Monoline steps up to fill the gap. Our online platform makes quoting, binding and managing personal umbrella a breeze. If your carrier has exited the umbrella market, or if you're just looking for a partner who actually makes things easier, we're here for you.

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July 17, 2025
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July 17, 2025
Insurance Software for Agents: A Smarter Way to Handle Personal Umbrella Policies

Independent insurance agents are facing growing workloads as carriers unbundle package policies and raise rates. Monoline’s free, easy-to-use insurance software is built to help agents quote, bind, and manage standalone personal umbrella policies faster and more efficiently.

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July 10, 2025
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July 10, 2025
Rachel Crump and her Living the Values award
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.

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June 27, 2025
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June 27, 2025
Agents with clients
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.

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June 20, 2025
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June 20, 2025
Insurance agent advising clients
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.

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June 13, 2025
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June 13, 2025
Agent helping clients
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.

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May 30, 2025
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May 30, 2025
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.

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May 22, 2025
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May 22, 2025