Commercial Specialty Auto

Hired & Non-Owned Auto

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.

Get Appointed

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Insurance Type

Admitted

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Distribution

Retail & Wholesale

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Availability

Please use this text instead: Policies cannot be domiciled in AK, HI, LA, ME, MT, NV, NY or TX. Not targeting risks domiciled in or primarily operating in South Florida (south of Lake Okeechobee), South Texas (south of Houston), Los Angeles County in California, the San Francisco Bay Area (San Francisco, Marin and Alameda counties), Cook County in Illinois or metro New Jersey. Policies also cannot be domiciled in TX and ME for standalone HNOA policies. We define primarily operating in as more than 20-25% of the exposure is occurring there.

Not an agent or broker?

If you are a hired and non-owned fleet owner or manager interested in transportation insurance, ask your insurance agent or broker for a quote from RLI.

Hired & non-owned auto criteria

Minimum premium of $10,000
Hired and non-owned fleets of all sizes
Multi-state operations
Local/intermediate radius of hired & non-owned operators 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

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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

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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 contractor

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 $25,000
Drivers list with dates of birth, dates of hire, drivers’ license numbers and states (in Microsoft 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

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.

Benefits of an RLI Transportation partnership

Free access to a dedicated loss control expert
Free access to driver safety training videos through RLI Safety Solutions’ proprietary learning portal
One free weekday of onsite driver training from an RLI Loss Control expert
Discounts on hardware and subscription costs from Samsara, Lytx, & Motive
Free access to RLI Safety Solutions DOT compliance assistance
Quarterly claim reviews available on larger risks

Loss control partnerships

RLI’s partnerships with telematics providers make it easier than ever to enhance loss control and driver safety programs using discounted dashcams for large trucking, public auto and commercial specialty auto fleets. Explore our partnerships: