RLI Transportation, a division of RLI Insurance Company, is a full-service provider of insurance products and services for truck, public auto and commercial auto customers.
Prospective Insureds
We are excited to offer a non-admitted transportation solution to Insureds who:
- Are engaged insurance partners
- Want to proactively make safety improvements and are open to implementing suggestions from our internal loss control experts
- Value the strategic and holistic insurance carrier approach
- Are not simply looking for lower premium
If you have risks that meet the qualifications above, the fllowing guidelines will assist you in qualifying, submitting and binding E&S business with RLI Transportation. They are subject to change without notice.
Producers
- RLI E&S Transportation will accept new submissions for consideration from pre-approved surplus lines licensed producers
High-Level Appetite Guide
E&S Transportation, Mt. Hawley (A+) rated, non-admitted
- Auto Liability (AL): If AL written, Physical Damage, Motor Truck Cargo, and General liability are available
- $50K+ minimum policy premium
- 2+ power unit fleet risks that require an E&S carrier solution
- Risks declined by RLI's Transportation program and other admitted carriers
Examples of target markets:
- New operations
- Higher-risk territories including South Florida, South Texas, Los Angeles County in Cailfornia, San Francisco County in California or Cook County in Illinois
- Loss issues: frequency and/or severity
- Risks being cancelled or non-renewed
- Mixed fleet risks (can issue state and federal filings)
- Substantial change in risk: operations that are growing or shrinking and/or changing the commodity they haul
- Businesses that need loss control/safety/compliance assistance
Trucking
- Significant number of newer CDL drivers
- Significant number of Mexican CDL drivers: Must have a valid Licencia Federal de Conductor issued by Mexico's SCT and appropriate license class based on the type of vehicle operated
- Business must follow US cabotage rules
- Dump trucks
- Recycling
- Waste haulers
- Sand and gravel
Targeted Market
- Businesses that need loss control/safety/compliance assistance
- New operations
- Mixed fleet risks (can issue state and federal filings)
- Substantial change in risk: operations that are growing or shrinking and/or changing the commodity they haul
- Loss issues: frequency and/or severity
- Risks being cancelled or non-renewed
Trucking
- Significant number of new CDL drivers
- Dump trucks
- Recycling
- Waste haulers
- Sand and gravel
- Logging
- Hot shot operations
- Significant number of Mexican CDL drivers: Must have a valid Licencia Federal de Conductor issued by Mexico’s SCT and appropriate license class based on the type of vehicle operated
- Business must follow US cabotage rules
Commercial Specialty Auto
- Couriers including Amazon delivery
- Towing including repossession
- Drive away contractors
- NEMT (targeting risks with 15 or less passengers)
Public
- Paratransit operations including those with wheelchair lifts
Coverage Territory
RLI offers coverage throughout the U.S. with the following exceptions:
- Policies cannot be domiciled in and vehicles cannot be registered in the following states: CT, KS, KY, MA, NC, NV, NY, WA, WV
- For risks domiciled and registered in eligible states - if they enter NY, use in the 5 boroughs of NY can be incidental only
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.
Ineligible Risks
- Businesses that operate more than incidentally in the 5 boroughs of NY (Manhattan, Brooklyn, Queens, The Bronx, Staten Island)
- Rental operations
- Mid-term submission looking for lower premium
- Accounts with large seasonal exposures
- Large subcontractor exposure when federal filings are not required: will not offer hired auto coverage
- Large subcontractor exposure when federal fillings are not required: will not offer terms on this risk
- Intermingled businesses unless we're offering terms on all exposures
- Risks with a clear history of egregious behavior surrounding loss control, safety and compliance
- Passenger carrying risks that require a $5M limit
- Passenger carrying risks with 15+ passenger capacity
- Taxi
- Ride Share
- Food Delivery
- Hot Shot trucking
- Oil and Gas related risks
- Charter Bus Operations
Submission Clearance Requirements
- Account narrative strategy, and market position - send copy of cancellation or non-renewal notice if applicable
- Completed RLI E&S Trucking Application
- 5 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 $50K.
- Vehicle schedule in Excel with licensing state, garaging city/state, year/make/model/VIN, specific use, seating capacity, disclosure of any modifications or permanently attached equipment and stated amount
- Driver schedule in Excel including date of birth, date of hire, driver's license number and state
- Send new submissions to: ESAuto.Submissions@rlicorp.com
Benefits of RLI Transportation Partnership
- Free access to a dedicated loss control expert
- Complimentary 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
- Complimentary access to RLI Safety Solutions DOT compliance assistance
- Quarterly claim reviews available on larger risk