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Truck Driving Down the Road

Contractor Fleet Insurance Guidelines

For pre-approved retail agents and brokers with a solid book of Contractor/Construction accounts, RLI Transportation actively welcomes hard-to-place contractor and construction industry fleet insurance risks.

Contractor-Specific Criteria
  • Fleets can include: private passenger, light/medium trucks, heavy trucks, extra-heavy trucks or tractor trailers.
    • Accounts with low or incidental heavy truck and extra-heavy truck exposure are preferable but we will consider risks with these units.
    • Any modifications or permanently attached equipment must be disclosed on the submission such as: cranes, dump beds, water pumps, claw arms, cement-mixers.
  • Local/intermediate radius is preferred.
Additional Coverages Offered
  • Hired and Non-Owned Liability
    • Can be standalone or in addition to fleet coverage.
      • Standalone Hired & Non-Owned is not available in: ME, MT, TX, MA, LA, HI, NY, AK.
    • Accounts with large non-owned exposure is preferred.
Appetite Limitations:
  • Accounts with beyond incidental recycling/waste/sand/aggregate/dirt/gravel hauling are not a fit.
  • Accounts consisting solely of Heavy/Extra heavy units including but not limited to: bucket trucks, cherry pickers, cranes, dump trucks, cement mixers, tractor trailers are not a fit for this program.
  • Accounts that require federal filings are not a fit.
  • Accounts with both Frequency AND severity issues are not a fit.
  • Accounts with explosive or hazmat exposure are not a fit.
  • Insureds with less than one year of operating experience are not a fit.
  • Accounts with large seasonal exposure are not a fit.
  • Large, independent contractor exposures are not a fit.
Submission Clearance Requirements
  • ACORD 125 and ACORD 137
  • Completed RLI Contractor Questionnaire
  • Vehicle Schedule with garaging city/state, year/make/model, specific use, seating capacity, disclosure of any modifications or permanently attached equipment, and stated amount values (in Microsoft Excel format, if possible)
  • 4 years of currently valued hard copy loss runs with details on all losses over $25k
  • Drivers list with date of birth, date of hire, driver’s license number and state (in Microsoft Excel format, if possible)
Additional Requirements
  • Two most recent year-end, audited financial statements, balance sheet and income statement*
  • Current MVRs for all drivers
  • Acceptable loss control inspection or digital risk review, completed and reviewed by our internal loss control team.

Access our Digital Risk Review

*If financial statements do not meet RLI minimum guidelines, we will not be able to offer a quote

We may be able to waive financial requirements if annualized premiums are under $250,000 with an average or above average loss control rating. Fleet mix must consist of no more than incidental extra-heavy vehicles.

Coverage Territory Limits

RLI offers coverage throughout the U.S. with the following exceptions:

  • Policies cannot be domiciled in MA, LA, MT, HI, NY, AK.
  • Hired and non-owned only policies cannot be domiciled in the above listed states or in ME or TX
  • RLI is not targeting Contractor insurance risks in South Florida, South Texas, Los Angeles County in California, San Francisco County in California or Cook County in Illinois

Ambulance Contact an Expert

Contact an Expert

Mike Haswell
AVP, Business Development
Public Transportation
P: 404-315-9515 x1037
Mike.Haswell@rlicorp.com

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