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Due to Hurricane Jose, cease bind orders are currently in effect for our carriers. Binding restrictions may apply to certain products and states.

Personal Umbrella

R-T Specialty / LoVullo writes personal umbrella coverage with two carriers.

United States Liability Insurance Company Group (A++)*

  • Preferred, Standard , Non-Standard and Celebrity programs available
  • Limits up to $10,000,000
  • No retention deductible
  • Excess Uninsured motorist coverage included with a limit of 25/50 with optional limits up to $1,000,000
  • Coverage for an unlimited number of automobiles
  • Coverage up to 15 1-4 Family Dwellings either owner occupied or rentals
  • Coverage for an unlimited number of watercraft up to 26 feet
  • $5,000,000 in coverage for a risk with a DUI in the household for a driver of any age
  • High Risk drivers
  • Professional Athletes, Coaches, Fortune 100 CEOs, Nationally recognized entertainers, best selling authors
  • Most programs available in NY, NJ, MA, CT, DEL, OH, PA, and RI

RLI Insurance Company (A+)**
  • Limits up to $5,000,000
  • 4 rating tiers available for various types of risks
  • Coverage up to10 vehicles and 10 owner occupied residences
  • Coverage up to 5 rental properties
  • Up to 6 moving violations and 3 at fault accidents per household
  • 1 DUI/DWI conviction allowed for operators between ages of 22 and 79
  • Underlying auto limits of 100/300/50 are acceptable (except for households with drivers less than 22 years and 70 yrs and over.
  • Risks with Personal Liability claims less than $26,000 are acceptable
  • Program available in NY, NJ, MA, CT, OH, DEL, PA, MI, NH, RI, VT and FL
These are just a sample of the product lines and/or coverages we write. Please contact an underwriter with any specific questions you may have.

*United States Liability Insurance Group
 Baltimore, MD

**RLI Insurance Co.
 Peoria, IL