The RT Specialty Buffalo personal lines website will be migrating to the RT Specialty Connector Personal Lines platform on July 6, 2026. Online personal lines transactions will transition to the new platform. Additional details will be shared in advance of the transition.

Personal Umbrella

R-T Specialty / Buffalo writes personal umbrella coverage.

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 25 1-4 family residential locations.
  • Coverage for an unlimited number of watercraft not exceeding 75’ and 50 mph.
  • Professional Athletes, Coaches, Fortune 100 CEOs, Nationally recognized entertainers, best selling authors.
  • Available in most states.
  • Personal injury included if included on primary; buyback option available if excluded on primary.

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 9 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 equal to or less than $50,000 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