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