Monoline, Inc.
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Monoline currently publishes underwriting guidance for a personal umbrella program focused on clean personal lines risks and agent ease-of-placement. Preferred business includes personal umbrella placements anchored by a primary residence, with support for both short-term and long-term rentals, trusts/estates/LLCs as additional insureds, select target-risk individuals such as public officials and entertainers, and umbrella coverage over motorcycles, boats, jet skis, RVs, and golf carts. Monoline states it writes over underlying carriers that are AM Best B+ or better, and for homes also accepts Demotech A admitted carriers; separate help-center guidance clarifies Demotech-rated non-admitted home policies are not eligible. Restricted or declined risks specifically called out include farming exposures, business exposures, and recent major violations. Operational eligibility notes indicate a primary residence is required as the anchor risk, and Monoline will not bind a standalone umbrella over only auto, watercraft, or recreational vehicle exposures without the underlying personal liability for the primary residence also being scheduled. Minimum underlying limits published include $300,000 CPL for homeowners/renters/condo and $300,000 CSL auto liability, with Texas requiring $325,000 CSL. Geographic notes are limited in the published underwriting material; Monoline emphasizes a U.S. personal umbrella offering and references market stability compared with carriers exiting states, but no verified public state-by-state appetite grid was found in the reviewed official sources. Submission and underwriting process notes: underlying carriers must be on Monoline’s approved carrier list or referred to underwriting for review if unlisted; underwriting can be contacted through chat for carrier eligibility determinations. Monoline also indicates MVR authorization is part of the driver addition/underwriting workflow and publishes that a signed application is addressed in its eligibility collection, though the detailed signed-app requirement was not separately verified from the reviewed pages. Broker/producer notes: the program is positioned as underwriting-first and agent-focused, with real underwriter support, book-roll assistance via its SimpleSwitch program, agency signup to start quoting online, and direct-bill payment handling. Overall, the published appetite supports straightforward personal umbrella business with some flexibility on rental and recreational exposures, but it remains disciplined on primary-residence anchoring, underlying carrier quality, and avoidance of business/farm/heavy violation risks.