Insurer guide
Monoline Insurance Through an Independent Agency: Coverage and States
Blake Insurance Group is an independent insurance agency with access to quote Monoline. This page lists the Monoline coverage we can request for clients, the states where we can do it, and how to start.
This page is published by Blake Insurance Group, not by Monoline. Availability depends on the product, your location and underwriting.
Request a quote
Tell us what you need and mention Monoline if you want it included. A licensed agent will follow up. Submitting the form does not bind coverage.
If the form does not load, call 888-387-3687, Monday through Friday, 9:00 to 5:00 Arizona time, or email admin@blakeinsurancegroup.com.
Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16117464.
Monoline coverage and states available through our agency
The table shows each Monoline coverage type our agency can currently quote and the states, out of the 24 where we are licensed, in which we can quote it.
| Coverage type | For | States we can quote |
|---|---|---|
| Personal Umbrella | Personal | AZ, AL, TX, CA, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, PA, TN, WA |
If your state or coverage type is not listed, send a request anyway. We can check other insurers we have access to.
How to request a Monoline quote
- Send the request form on this page or call 888-387-3687.
- Tell us the coverage you need and the state where the property, vehicle or business is located.
- A licensed agent reviews whether Monoline is available for your situation and what information the insurer needs.
- You review the quote and decide. Coverage starts only after the insurer accepts your application and confirms it.
Ways to compare your options
You can go whichever direction suits you. None of these commits you to buying.
- Ask a licensed agent. Send a request or call 888-387-3687.
- See other insurers our agency can quote for similar coverage. Kelly Klee, RLI, Coverage Cat.
Who Monoline is
Monoline Inc. is an insurtech platform for standalone personal umbrella insurance. It calls itself a "technology-driven insurance company." First Connect calls it "a tech-powered platform." Its California license number is 6010580.
We couldn't verify Monoline's headquarters. Its October 2024 release was datelined Minnetonka, Minnesota. Its April 2025 release was datelined Austin, Texas.
Monoline sells only through independent agents.
A standalone umbrella can let you keep your existing auto and home policies while adding umbrella protection on top. Monoline focuses on that one product.
Who issues Monoline policies
Monoline's financial backing page describes two companies:
- Concert is the fronting carrier. It provides admitted US paper. Monoline says it's rated A- (Excellent) by AM Best. The page doesn't give Concert's full legal name or a rating date.
- Convex reinsures 100% of the policies. Monoline says it's rated A (Excellent) (AMB# 044173). No date is given. A linked file's name suggests May 2023.
A fronting carrier generally issues the policy, while a reinsurer takes on the risk behind it. Concert is likely the company named on your declarations page.
What Monoline covers
Monoline offers one product: a standalone personal umbrella. That means it's sold on its own, separate from your auto and home insurers.
- Limits from $1 million to $5 million.
- Same-day underwriting.
- Minimum underlying auto liability of 250/500.
Its SimpleSwitch tool helps agents move existing umbrella books to Monoline. Those details come from a First Connect webinar.
A 250/500 limit typically means $250,000 per person and $500,000 per accident in bodily injury liability on your auto policy. If your auto limits are lower, you'll need to raise them before the umbrella can start.
Where Monoline writes
Monoline was in 43 states as of April 8, 2025, when it added Kentucky. At that time, Florida, New York, New Jersey, Minnesota, Oregon and Maine were in progress.
According to the First Connect carrier directory, Monoline now lists 48 jurisdictions: 47 states plus DC. We don't know which states were added between those two counts.
Coverage Cat also lists Monoline as one of its personal umbrella insurers, according to the First Connect carrier directory.
Monoline news, 2024 to 2025
- October 22, 2024: joined the Advantage Partners independent agent network.
- April 8, 2025: expanded to Kentucky.
- July 29, 2025: partnered with Agents Alliance Services.
- Undated: launched SimpleSwitch for book transfers.
Most of Monoline's 2024 to 2025 news is about distribution. Agent networks like Advantage Partners and Agents Alliance Services give more independent agents access to its umbrella. The Kentucky launch added another state to its admitted footprint.
What to check before you buy Monoline
- Underlying limits. Your auto policy needs at least 250/500 liability. Raise it first if needed.
- Home liability. Ask what underlying home or renters limits are required too.
- The insurer. Find Concert's full legal name on your declarations page and check its rating.
- Standalone coordination. Your umbrella will likely be with a different company than your auto and home. Tell each insurer about a claim promptly.
- Your state. Confirm Monoline is offered where you live.
Sources for the sections above: Monoline: Financial backing; PRNewswire: Monoline joins Advantage Partners (2024); 24-7 Press Release: Monoline expands to Kentucky (2025); First Connect: Monoline launch webinar (secondary); First Connect carrier directory: Monoline (secondary).
Monoline FAQs
Can Blake Insurance Group quote Monoline?
Yes. Our agency currently has access to quote Monoline for the coverage types and states listed on this page. Access can change, and Monoline decides whether to offer a policy.
Which states can you quote Monoline in?
Of the 24 states where we are licensed, we can currently quote Monoline in AZ, AL, TX, CA, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, PA, TN, WA. Availability differs by coverage type, as the table shows.
Does a quote request start coverage?
No. Coverage begins only after the insurer accepts your application and confirms it.
Can I compare Monoline with other insurers?
Yes. As an independent agency we can look at other insurers we have access to for the same coverage, where they are available in your state.
Important information
Independent agency. Blake Insurance Group LLC is an independent insurance agency. The coverage types and states on this page reflect our agency access as checked in November 2026 and can change. Monoline decides eligibility, pricing and whether to issue a policy.
Trademarks. Monoline and other company names are trademarks of their owners. This page is not published or endorsed by Monoline.
Availability. Coverage, prices, discounts and eligibility vary by insurer, state and applicant, and are subject to underwriting. The issued policy controls. A quote request does not bind or change coverage.
Your next step
Send a request and a licensed agent will check Monoline and other options available to you.