Modern Personal Umbrella Insurance, Built to Work When It Matters Most
Your agent placed your umbrella coverage with Monoline for a reason, and we'd like to introduce ourselves.
Trusted at Scale, Built with Care
Protecting
of families nationwide
Available in
US States
Agents
Trusted by over
Built by insurance professionals. Designed for the modern world.
Monoline was built by insurance professionals who saw how outdated processes made coverage harder than it needed to be. We set out to simplify personal umbrella insurance so payments are easy, communication is clear, and coverage is managed with transparency from start to finish.
Monoline was founded by experienced insurance professionals who spent their careers working closely to support agents and their clients. We understand the responsibility that comes with protecting people, families, and the assets they’ve worked hard to build. And we don’t take that responsibility lightly.
When you place coverage with Monoline, there are real people behind it who understand what’s at stake.
The Monoline Founding Team
Proven and Growing
Since launch, Monoline has grown steadily as more national agencies choose our platform to place personal umbrella coverage for their clients.
Designed for long-term stability, not short-term volume. Trusted by leading independent agencies. Backed by A-rated insurance partners
Coverage Across the Country
Monoline is approved in most U.S. states, with coverage expanding as regulatory approvals allow. Our footprint continues to grow as we bring modern umbrella protection to more policyholders nationwide.
47/50 states covered
When the Market Changes, Your Coverage Shouldn’t.
In recent years, many insurers have pulled back by reducing coverage or stepping away as conditions shift. We’ve chosen a different path.
By making thoughtful adjustments over time, including how we price for risk, we’re able to continue offering consistent, reliable protection, year after year. Because our goal isn’t just coverage for today, it’s being there when it matters most.
Backed by Financial Strength You Can Rely On
Monoline policies are supported by highly rated insurance partners and built on disciplined underwriting practices. This foundation ensures your coverage is backed by the financial strength needed to respond when it matters most.
Expert Claims Handling, Backed by Long-term Stability
A claim is stressful enough. Clear communication and experienced handling make a meaningful difference. That’s why our process is designed to ensure a smooth experience for both policyholders and their agents.
Behind every claim is disciplined underwriting and strong financial backing, designed to support long-term stability, not short-term shortcuts.
The result: Reliable protection you can feel confident in today and tomorrow.
Backed by Proven Insurance Partners
Monoline works with established insurance and reinsurance partners, including Convex Group and Concert Group. These partnerships provide the capital strength and risk support behind every policy we issue.
What it means for you: Your coverage is supported by organizations built to pay claims, even in severe or complex loss scenarios.
Strong Financial Ratings
Our insurance partners carry an A / A- (excellent) financial strength rating from A.M. Best, a leading independent authority on insurer financial stability.
Why it matters: Strong ratings signal the ability to meet ongoing policy obligations and pay claims reliably.
What Agencies Say About Monoline
Independent agents choose Monoline because it helps them better serve their clients
Simple, Secure, and Handled with Care
Monoline was built with security, privacy, and transparency in mind. We use modern, secure systems designed to protect your data and keep every interaction safe and reliable.
Your Data & Privacy
We only collect the information needed to issue and service your policy, communicate clearly, make responsible underwriting decisions, and meet regulatory requirements. Your information is handled responsibly and only shared with trusted service providers to process your application and service your policy.
We use secure systems, limited access controls, and industry-standard safeguards to protect your data throughout the policy lifecycle.
Read our privacy policy.
Secure Payments & Transactions
Monoline supports modern, secure electronic payments. All of our payment transactions are encrypted and processed through trusted, compliant payment partners. We do not store sensitive payment details on our systems, and safeguards are in place to help prevent unauthorized access or misuse.
FAQs
Why did your agent select Monoline?
How does personal umbrella insurance coverage work?
How much umbrella coverage do I need?
What are my payment options with Monoline?
What are endorsements?
When should I contact my agent about changes that could impact my coverage?
Still have questions?
Coverage you can feel confident about.
Monoline works behind the scenes to make personal umbrella insurance simpler, stronger, and more dependable. Your agent remains your trusted advisor, supported by a modern platform designed to protect what matters most.
