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Hired & Non-Owned Auto Insurance

For pre-approved retail agents and brokers with a solid book of hired and non-owned auto (HNOA) accounts, RLI Transportation actively welcomes new insurance risks. 

Hired and Non-Owned Auto Specific Criteria

  • Minimum premium of $10k
  • Hired and non-owned fleets of all sizes are acceptable
  • Multi-state operations are acceptable
  • Local/Intermediate radius of Hired & Non-Owned operators is preferred
  • Insureds that have less than one year of operating experience are not a fit
  • Accounts with large seasonal exposure are not a fit
  • Symbol 10 policies are available

Target Business Classes

Operations with large non-owned auto exposure preferred. Some target classes include, but are not limited to:

  • Home Healthcare (No passenger transport exposure)
  • Sales, Service, Cleaning, Office Support and Training operations
  • Construction & Contractor Operations
  • Real Estate
  • Municipalities

Ineligible Classes for Standalone HNOA Business

  • Large independent contractor exposures
  • Ride-share operations
  • Patient transport or any livery operations
  • Food delivery operations
  • Cannabis delivery
  • Owner-operator trucking operations
  • Couriers
  • Drive-away contractors

Submission Clearance Requirements

  • ACORD 125 and ACORD 137
  • Completed RLI Hired & Non-Owned Questionnaire
  • 4 years of currently valued hard copy loss runs with details on all losses over $25k
  • Drivers list with dates of birth, dates of hire, drivers’ license numbers and states (in excel if possible)

Additional Requirements

  • Two most recent year-end, audited financial statements, balance sheet and income statement*
  • Current MVRs for all drivers or up to a 100 MVR sample that is picked by RLI

*Please note, 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 and there are no indications of financial strain.

Coverage Territory Limitations

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

  • Policies cannot be domiciled in AK, HI, MA, ME, LA, MT, NM, NY, AK, ME, or TX
  • RLI is not targeting HNOA insurance risks with significant exposure 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

Transportation applications

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Loss Control Resources

Loss Control Resources

We provide comprehensive services to develop a risk management program tailored to your business.

  • RLI Transportation Loss Control
  • RLI Transportation Ambulance Loss Control

Distracted Driving Training

Distracted Driving Training

  • Defensive and Distracted Driver Training
  • Defensive and Distracted Driver Training: Hired/Non-Owned Vehicles

Samsara and RLI Partnership

Samsara and RLI Partnership

Learn more about how RLI’s partnership with Samsara, which makes it easier than ever to enhance your loss control and driver safety programs using free dashcams for your fleet.

LEARN MORE

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