Why Big Carriers Are Dropping Umbrella Coverage

Across the country, major carriers are stepping away from personal umbrella coverage. Headlines may make this sound alarming, but in many cases, it’s a strategic move. Large insurers are choosing to double down on their strengths, whether that’s home, auto, or life insurance, rather than continuing to offer all lines bundled together. In the long run, this shift could lead to more focused, stable underwriting and financial stability.

In the short-term, however, it's creating headaches. Insureds are losing coverage, often with little notice, and agents are left scrambling to place standalone personal umbrella policies—sometimes for entire books of business at once.

At Monoline, we know this adds pressure to already-overloaded agents. You’re juggling client needs, navigating rate changes, and now, pivoting quickly when a carrier unbundles their coverage offerings. That’s where we come in.

Monoline is a dedicated standalone personal umbrella carrier. It’s all we do, and we’ve built our platform specifically to support the agents who do it all.

We offer:

• Coverage from $1M to $5M, with an optional $1M UM/UIM
• Competitive pricing and price matching in most states
• A platform built to save time, making quoting, binding and managing personal umbrella a breeze

Our quoting experience is lightning fast. Online payment options mean you can issue policies instantly. We offer real-time underwriting approvals, automatic renewals, and self-service anytime endorsements. Need help quoting? Just upload an existing policy declarations page, and we’ll take it from there.

Need to move your entire umbrella book? We’ve got your back. Our SimpleSwitch transfer process handles eligibility, underwriting, quoting, and collecting payment, with no heavy lifting required on your end.

At Monoline, we believe agents deserve tools that lighten the load Our platform was built by former agents who understand how time-consuming umbrella placements can be. We’ve removed the friction, so you can focus on what matters: supporting your clients.

Let us be your go-to for personal umbrella coverage. We’re here to help, every step of the way.

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