For pre-approved E&S producers, RLI Transportation is a solution for hard-to-place HNOA risks.
Everyone has a story and we're here to listen. All risks are diligently reviewed to devise creative solutions. Our service extends beyond a transactional product - we aim to form partnerships and build relationships with our producers and insureds.
HNOA-Specific Criteria
- HNOA insurance solutions are based on several factors, including but not limited to issuance of a non-renewal or cancellation notice, claim issues (frequency and/or severity), lack of industry experience/being a new venture and the need for dedicated loss control support
- $25,000 minimum premium
- Mixed fleets. Any modifications or permanently attached equipment must be disclosed on the submission
- Higher-risk territories including South Florida, South Texas, Los Angeles County in California, San Francisco County in California or Cook County in Illinois
- No radius limitations (local, intermediate, long distance)
- Clear outline of hired and non-owned auto exposures required
- Business owners willing to work with the underwriter and loss control team to implement necessary requirements and recommendations with an emphasis on prioritizing safety and loss control
Ineligible Risks:
- Mid-term submission looking for lower premium
- Vehicles with 15+ passenger capacity including the driver
- Food delivery
- Taxi or limo operations
- Ride-share operations
- Trucking operations with owner-operator exposures
- Accounts with large seasonal exposures
- Intermingled businesses unless we’re offering terms on all exposures
- Risks with a clear history of egregious behavior surrounding loss control, safety and compliance
Submission Clearance Requirements
- Account narrative, strategy and market position – send copy of cancellation or non-renewal notice if applicable
- Completed RLI HNOA Questionnaire
- Five years of currently valued hard copy loss runs valued within 60 days or less from proposed inception with details on all open losses and losses over $25K
- Driver schedule in Excel including date of birth, date of hire, driver’s license number and state
Additional Requirements
- Financials: two most recent year-end audited financial statements, balance sheet and income statement on an accrual basis
- Current 5-year MVRs for all drivers
- Acceptable loss control inspection or digital risk review, completed and reviewed by our internal loss control team – Insured to complete: E&S - Digital Risk Review
Coverage Territory
RLI offers coverage throughout the U.S. with the following exceptions:
- Policies cannot be domiciled and vehicles cannot be registered in the following states: CT, KS, KY, MA, NC, NY, NV, WA, WV
- For risks domiciled and registered in eligible states, if they enter NY, use in the five boroughs of NY can be only incidental
- In FL and IL, terms are offered on RLI Insurance Company admitted paper. In all other acceptable coverage territories, terms are offered on Mt. Hawley Insurance Company non-admitted paper.
Benefits of RLI Transportation Partnership
- Free access to a dedicated loss control expert
- Complimentary access to driver safety training videos via RLI Safety Solutions’ proprietary Learning Management System (LMS)
- One free weekday of on-site driver training from an RLI Loss Control expert
- Discounts on hardware and subscription costs from Samsara, Lytx and Motive
- Complimentary access to RLI Safety Solutions DOT compliance assistance
- Quarterly claim reviews available for larger risks
Learn more about Loss Control from RLI Transportation.
Contact an Expert:
Harriet Sennit
Account Executive
rlitransportationcontact@rlicorp.com