Get to Know the Monoline Policy.

Personal Umbrella Limit Offering
$1M to $5M Excess Liability
UM / UIM up to $1M
  • 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)
  • Accept underlying policies from Demotech A-rated & admitted carriers for homes
  • Accept both short-term and long-term rentals
  • Coverage over motorcycles, boats, jetskis, RVs, and golf cart policies
  • Competitive premiums – maximum protection at accessible rates
  • Trusts, estates, and LLCs can be listed as named insureds
  • Approach target risk individuals (public officials, entertainers, etc.) with common sense underwriting decisions
We avoid certain exposures to ensure stability. Here’s what we won’t write:
Farming Exposures
Business Exposures
Youthful Drivers
with Major Violation
Monoline's Lifetime Stability icon label

Monoline policies are 100% reinsured by Convex.

AM Best A Rated (044173)

Proven. Trustworthy.

In addition, Concert, which also has an “A-” (Excellent) rating from A.M. Best, is being used by Monoline as the fronting carrier to provide admitted paper in the United States.

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Claims Handled With Care, Every Time.

RESPONSIVE SERVICE, CLEAR COMMUNICATION

Monoline is committed to making the claims process straightforward for both agents and policyholders.

If a claim occurs, simply notify the Monoline team and we'll guide the process from there.

Claims are administered by our trusted claims partner, TransEleven Claims Managers (TCM), whose experienced team specializes in liability claims management and resolution. Together, we ensure every claim is handled efficiently, fairly, and with the attention it deserves.

Earn Profitable Commissions

Simple Commission Rates
15% new
10% renewals

Agencies rolling an existing book of business will gain efficiency and enjoy a more rewarding commissions, scaling with the size of the transfer.

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Approved Nationwide

Monoline U.S. Coverage Map - current as of December 2025
Live in
46 States
Filed and Approved in:
Non-Admitted Available in:
Not Available in:
Alaska, New Jersey, New York, or Oregon.
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Janessa Vanderheyden, Senior Underwriter at Monoline

Underwriting You Can Count on!

Umbrella placement built for speed and backed by decades of expertise.
Meet Jan
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Did we mention we make this easy?

Learn what makes Monoline the fastest and easiest personal umbrella quoting platform.

  • Quick policy document sharing
  • Online payment request and processing
  • Download integrations
Monoline platform desktop dashboard screen
Monoline platform mobile dashboard screen

We thrive when you thrive.

A technology company that puts people first…

  • We are your agents’ ally
  • We are Account Executives just like you
  • Exceptional support when you need it
Rachel Crump avatar, Associate Vice President, Agency Partnerships at Monoline