Commercial Specialty Auto

Agriculture Operations

For pre-approved retail agents and brokers with a solid book of business supporting the agriculture industry.

Get Appointed

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Insurance Type

Admitted

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Distribution

Retail & Wholesale

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Availability

Throughout the U.S. with the following exceptions: Policies cannot be domiciled in or significantly operating in AK, HI, LA, MA, MT, NM, NJ, NV, or NY. We define significantly operating as more than 20 to 25% of the exposure occurring within these locations. Hired/non-owned only policies cannot be domiciled in ME or TX. We are not targeting risks in South FL (south of Lake Okeechobee), South Texas (south of Houston), Los Angeles County, San Francisco Bay Area (San Francisco, Marin and Alameda Counties), Cook County IL or metro NJ. We can consider risks with minimal or incidental exposure in unfavorable venues if the risk is not domiciled there.

Not an agent or broker?

If you have agriculture operations and are interested in transportation insurance, ask your insurance agent or broker for a quote from RLI.

Agriculture specific criteria

Minimum premium of $10,000
Multi-state operations
Limits up to a $5,000,000 combined single limit
CA MCP filings are available
Symbol 10 policies are available
Local operating radius preferred, but we can consider some intermediate-radius exposure
Fleets primarily consist of light/medium trucks. Targeting risks with 25% or less heavy and extra heavy unit mix. We may consider risks with a slightly higher than targeted heavy and extra heavy truck mix in this class as long as operations are largely local or there is low over-the-road utilization for these units.

Target business classes

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Eligible Operations

Farming operations where drivers are permanent employees
Equipment, maintenance and service providers for the agriculture industry
Plant and tree nursery operations
Service and sales fleets
Local wholesale produce distribution
Engineering contractors related to the agricultural industry

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Ineligible Operations or Characteristics

Insureds with less than one year of operating experience are not a fit
Accounts with high independent contractors or H-2A worker utilization are not a fit unless that exposure can be carved out from coverage
Accounts with large seasonal fluctuations are not a fit. Exceptions can be made in scenarios where the same W-2 workers are hired consistently and MVRs can be provided
Risks with high driver turnover
For-hire trucking operations
Livestock hauling
Accounts requiring federal filings or an MCS-90
No hauling of hazardous materials
Transportation of third-parties or non-W2 employees

Submission clearance requirements

ACORD 125 and ACORD 137 or similar applications showing descriptions of operations, effective dates, coverage and requested symbols
Completed RLI Agriculture Supplemental (needed to quote but not required to clear)
Vehicle Schedule with garaging city/state, year/make/model, specific use, disclosure of any modifications or permanently attached equipment and stated amount values (in Microsoft Excel format, if possible)
Four Years of currently valued hard copy loss runs with details on all losses over $25,000
Drivers list with date of birth, date of hire, driver’s license number and state (in Microsoft Excel, if possible)

Agriculture truck making way through field

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 & Netradyne
Discounted rate for access to critical compliance solutions from Transportation Advisors
Free access to RLI Safety Solutions DOT compliance assistance
Quarterly claim reviews available on larger risks

Camera/telematic 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: