RLI Insurance Through an Independent Agency: Coverage and States

RLI coverage and states available through our agency

The table shows each RLI coverage type our agency can currently quote and the states, out of the 24 where we are licensed, in which we can quote it.

If your state or coverage type is not listed, send a request anyway. We can check other insurers we have access to.

About RLI

RLI is a specialty insurer, which means it concentrates on particular kinds of risk instead of selling every type of policy. Through our agency we can request the RLI coverage in the table above, including its personal umbrella policy, which adds liability protection on top of your auto and home policies.

• Headquarters: Peoria, Illinois.
• Ownership: Publicly traded as RLI Corp. (NYSE: RLI).
• Financial strength: AM Best raised the rating of RLI’s insurance companies to A++ (Superior), its highest level, in February 2026.
• Known for: Specialty property, casualty and surety coverage for niche markets.
• Insurance companies: RLI Insurance Company, Mt. Hawley Insurance Company and Contractors Bonding and Insurance Company.

Company details checked November 2026. Ratings and ownership can change, so confirm current information with the insurer or the rating agency. Blake Insurance Group is an independent agency and is not owned by RLI.

Sources

• RLI Corp. announcement of the AM Best upgrade, February 20, 2026 (Business Wire)

How to request a RLI 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 RLI 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. Attune, Hanover, Coterie, Hiscox, biBerk, Next, Thimble, Pathpoint.

Who RLI is

RLI Corp. is a specialty insurance holding company traded on the New York Stock Exchange under the symbol RLI. It's headquartered in Peoria, Illinois.

Its rated insurers, known together as RLI Group, are:

• RLI Insurance Company.
• Mt. Hawley Insurance Company.
• Contractors Bonding and Insurance Company (CBIC).

All three are based in Peoria. When you buy an RLI product, one of these companies is usually the insurer named on your policy. AM Best's release describes RLI as a specialty insurer.

RLI's AM Best rating

AM Best upgraded RLI Group on February 20, 2026:

• Financial strength rating: A++ (Superior), up from A+.
• Long-term issuer credit rating: "aa+", up from "aa".
• Outlook: stable.
• RLI Corp.'s own issuer credit rating: "a+", up from "a".

A++ is in AM Best's "Superior" category. The upgrade followed an outlook change to positive on January 30, 2025. AM Best reported RLI Group's policyholder surplus at $1.9 billion as of the third quarter of 2025.

Some First Connect pages still show A+, the rating before February 2026.

What RLI offers through First Connect

According to the First Connect carrier directory, RLI offers two products there:

• Personal umbrella, for extra liability protection above your auto and home policies.
• Business owner's policy (BOP), for small businesses.

The directory lists all 50 states. But First Connect's October 8, 2026 umbrella session says the umbrella is offered in "select states." So the state list may vary by product. RLI also runs separate surety and contractor programs, which have their own pages.

We couldn't open RLI's own product and state pages. Ask your agent which RLI products are available where you live.

A personal umbrella generally pays after your underlying auto and home policies reach their limits, and umbrella insurers typically set minimum limits for those policies. Ask your agent what they are before you apply.

How RLI sells

RLI sells through appointed agents and brokers.

RLI also provides insurance behind other brands:

• Steadily: On June 29, 2026, Steadily announced an RLI partnership for landlord insurance. Coverage may be admitted or non-admitted, depending on the state.
• Coverage Cat: lists RLI among its personal umbrella insurers, according to the First Connect carrier directory.
• BTIS: offered RLI's Contrac Pac contractor GL through CBIC, according to a 2019 Amynta release.

RLI news, 2025 to 2026

• January 30, 2025: AM Best revised RLI Group's outlook to positive.
• February 20, 2026: AM Best upgraded RLI Group to A++.
• June 29, 2026: landlord insurance partnership with Steadily.
• October 8, 2026: First Connect held an RLI personal umbrella session for agents.

The rating upgrade moved RLI's insurers from A+ to A++ (Superior).

The upgrade also lifted RLI Corp.'s own credit rating. For you, the key figure is the A++ financial strength rating on the insurer named on your policy.

What to check before you buy RLI

• Which RLI company. Your policy will name RLI Insurance Company, Mt. Hawley or CBIC. Know which one.
• Admitted or non-admitted. Some RLI-backed programs vary by state. Ask which yours is.
• Umbrella requirements. Confirm what limits you need on your auto and home policies underneath.
• Your state. The umbrella is offered in select states. Confirm yours.
• The brand on the policy. If you bought through Steadily or another brand, check whether RLI is the insurer.
• BOP fit. If you're a small business, confirm your class is eligible for RLI's BOP before you plan around it.
• Rating date. If a page shows RLI at A+, it may predate the February 2026 upgrade.

RLI FAQs

Your next step

Send a request and a licensed agent will check RLI and other options available to you.