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