Commercial Specialty Auto Insurance
Our extensive experience in commercial specialty auto insurance combined with our ability to create innovative solutions helps us meet the needs of our insureds.
Our underwriters are experts at handling commercial specialty auto risks and designing financing alternatives to fit your budget requirements — including deductibles and self-insured retentions.
Coverages Offered
Auto Liability
RLI offers auto liability with a range of deductibles and coverage limits. We offer liability limits up to $5 million.
Physical Damage
RLI offers physical damage with a range of deductibles starting as low as $1,000 for comprehensive and collision coverage.
Other Coverages
RLI offers hired and non-owned as well as garage keeper legal liability excess.
Targeted Classes of Business
($10,000 minimum policy premium, any radius)
Commercial specialty auto insurance fleets — private passenger, light, medium, heavy or extra heavy — that are used in the following industry segments:
- Hospitals, healthcare & ambulance services (Medical transport risks with more than 50% wheelchair vans are not a fit)
- Couriers (Amazon couriers or operations that require Federal Filings are not a fit)
- Hired non-owned (Not for cannabis, food delivery, or courier risks)
- Construction & contractors (Fleet cannot consist mainly of Heavy and Extra Heavy units, must be a mixed fleet or largely light, medium, and PPTs)
- Manufacturing
- Communications
- Wholesale & distributors
- Retail trades
- Financial institutions
- Real estate companies (i.e. REITs)
- Public administration
- Overseas companies with U.S. auto exposure
Classes of Business that are Not a Fit
- Risks requiring federal filings
- Amazon couriers
- Food delivery operations (other than wholesale distributors)
- Wheelchair van operations for NEMT risks (NEMT ambulance risks are a fit)
- New ventures operations (accounts must be in business for at least 1 full year)
- Dump truck/recycling/waste hauling operations
- Ride share operations
- Ambulance risks with less than 5 units
- Airport shuttle services
- Hazmat transport operations
- Risks with high loss frequency
- Ready mix concrete operations
- Hot shot operations or expeditors
Territories for Coverage
RLI offers coverage throughout the U.S with the following exceptions:
- Policies cannot be domiciled in MA, LA, HI, NM, NV, NY, or AK
- RLI is not targeting risks in South Florida, South Texas, Los Angeles County in California, San Francisco County in California, Cook County in Illinois, or in metro New Jersey
Benefits of RLI Transportation Partnership
- Free access to a dedicated loss control expert
- Free access to driver safety training videos through RLI Safety Solutions’ proprietary Learning Management System (LMS)
- One free weekday of onsite driver training from an RLI Loss Control expert
- Discounts on hardware and subscription costs from Samsara, Lytx, & Motive
- Free access to RLI Safety Solutions DOT compliance assistance
- Quarterly claim reviews available on larger risk
