Courier Fleet Insurance

For pre-approved retail agents and brokers with a solid book of courier fleet accounts, RLI Transportation actively welcomes courier insurance risks.

Courier-Specific Criteria

• Minimum premium of $10k
• Risks should use primarily owned autos
• Risks should not have a large independent contractor exposure
• Fleet should consist primarily of private passenger, light or medium units
• Risks should have at least 1 full year of operating experience
• We can consider medical couriers with good controls in place

Ineligible Operations

• Hot-shot operations
• Final mile couriers
• Expeditors
• Operations with a large independent contractor exposure
• Operations with Amazon contracts
• Operations requiring federal filings

Submission Clearance Requirements

• ACORD 125 and ACORD 137
• A completed RLI Contractor Courier New Business 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 excel if possible)
• Four 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 excel 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 phone inspection or digital risk review

Access our Digital Risk Review

**Please note, if financial statements do not meet RLI minimum guidelines, we will not be able to offer a quote.

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
• RLI is not targeting courier fleet insurance risks in South Florida, South Texas, Los Angeles County in California, San Francisco County in California or Cook County in Illinois