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RLI Personal Umbrella Rate Change Approved in South Carolina

Effective April 1 for new business, June 1 for renewals

Effective April 1 for new business and June 1 for renewal business, RLI has received approval for a modest rate increase in most states, including South Carolina.

RLI will also introduce additional rating changes at this time, including:

  • A 5% increase on excess uninsured and underinsured rates. For example, a household paying $150 per driver will now pay $158 per driver.

  • An increase in the incident surcharge for drivers under 22 years old and over 80 years old from $100 per incident to $200 per incident. In addition, Question 14 on the new business application will be split into 14a and 14b in RLI's portal but will remain as a combined question on the paper application.

  • For new business, removal of the $100 surcharge for households with a driver who has been licensed less than one year, has a permit or has an international license (Question 13). A response greater than zero will still place the risk in the personal umbrella policy special tier and restrict coverage to $1 million.
The updated rates will be available when quoting within the RLI portal or the online Quick Quoter.


Writing a RLI personal umbrella policy is simple using the RLI Online Portal! 

  • If you do not already have an RLI account, email Tracy Guyette at IIABSC for your login information.

  • Go to and click "Producer Login" button. Enter login information.

  • Complete and submit the online application. (You can also access online quoting tools from the online portal.)

  • At the Signature Option, send a secure email to the insured to eSign and pay initial premium online.