PUP Cancellation Procedures
 *Cancellations will be processed as follows:
 
Flat Cancel -       Duplicate coverage with RLI
 
Short Rate -        Insured Request
 
Pro-rata -            Insured is deceased, or “Company” (RLI) requests
*Insured’s signature and date is a requirement for all cancellation requests.
 
The contractual language can be found in the policy provisions, Part VII Other Conditions, Provision I.  State specific statutes would over-ride this should they apply via a state amendatory endorsement attached to the Personal Umbrella policy.  Adequate “notice” will always be provided to comply with state statutes.
 
RLI will only accept something signed and dated by the insured—not the agent--- as documentation—the declaration, an LPR, a note/letter.  It must be signed and dated by the insured (i.e. there is no such thing as an “original declaration” any more). 
 
If the request is signed/dated giving RLI advance notice prior to the request cancellation date or on the date of inception, we will honor that date. (example---policy renews July 1, insured signs/requests documentation June 28 asking for a July 1 cancellation-- RLI will honor the July 1 cancellation date).
 
If the insured does not give advance notice, RLI will use the insured’s signature date as the requested cancellation date.  If no signature date, RLI will use receipt date in admin/agent office.  If no date, RLI will use RLI ‘s receipt date.  This will result in earned premium subject to a short rate cancellation per the policy provisions.