Commercial Specialty Auto

Contractor Fleets

For pre-approved retail agents and brokers with a solid book of Contractor/Construction accounts, RLI Transportation actively welcomes hard-to-place contractor and construction industry fleet insurance risks.

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Insurance Type

Admitted

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Distribution

Retail & Wholesale

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Availability

RLI offers coverage throughout the U.S. with the following exceptions. Policies cannot be domiciled in or primarily operating in AK, HI, LA, MA, ME, MT, NM, NV or NY. Not targeting risks domiciled in or primarily in South Florida (south of Lake Okeechobee), South Texas (south of Houston), Los Angeles County in California, San Francisco Bay Area in California (San Francisco, Marin and Alameda counties), Cook County in Illinois or in metro New Jersey. We define primarily operating in as more than 20-25% of the exposure is occurring there. We will consider risks with incidental exposure in unfavorable venues if the risk is not domiciled there.

Not an agent or broker?

If you're a construction contractor fleet owner or operator interested in transportation insurance, contact your agent or broker for a quote from RLI.

Contractor-specific criteria

$10,000 minimum premium
Fleets can include: private passenger, light/medium trucks, heavy trucks, extra-heavy trucks or tractor trailers.
- Accounts with low or incidental heavy truck and extra-heavy truck exposure are preferable but we will consider risks with these units.
- Any modifications or permanently attached equipment must be disclosed on the submission such as: cranes, dump beds, water pumps, claw arms, cement-mixers.
Local/intermediate radius is preferred.

Additional coverages

Hired and non-owned liability
Can be standalone or in addition to fleet coverage.
- Standalone hired & non-owned is not available in: ME, MT, TX, MA, LA, HI, NY, NM and AK
Accounts with large non-owned exposure are preferred

Contractor talking to someone in a truck

Ineligible operations

Accounts with beyond incidental recycling/waste/sand/aggregate/dirt/gravel hauling
Accounts consisting of more than 25% Heavy/Extra heavy units including but not limited to: bucket trucks, cherry pickers, cranes, dump trucks, cement mixers, tractor trailers
Accounts that require federal filings
Accounts with both frequency AND severity issues
Accounts with explosive or hazmat exposure
Insureds with less than one year of operating experience
Accounts with large seasonal exposure
Large, independent contractor exposures

Submission clearance requirements

ACORD 125 and ACORD 137
Completed RLI Contractor Questionnaire
Vehicle Schedule with garaging city/state, year/make/model, specific use, seating capacity, disclosure of any modifications or permanently attached equipment and stated amount values (in Microsoft Excel format, if possible)
4 years of currently valued hard copy loss runs with details on all losses over $25k
Drivers list with date of birth, date of hire, driver’s license number and state (in Microsoft Excel format, if possible)

Additional requirements

Two most recent year-end, audited financial statements, balance sheet and income statement
Current MVRs for all drivers
Acceptable loss control inspection or digital risk review, completed and reviewed by our internal loss control team.

Access our Digital Risk Review

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 with an average or above average loss control rating. Fleet mix must consist of no more than incidental extra-heavy vehicles.

Benefits of an RLI Transportation partnership

Access to a dedicated loss control expert
Access to driver safety training videos through RLI Safety Solutions’ proprietary learning portal
One weekday of onsite driver training from an RLI Loss Control expert
Discounts on hardware and subscription costs from Samsara, Lytx, Motive, Netradyne & IntelliShift
Discounted rate for access to critical compliance solutions from Transportation Advisors
Access to RLI Safety Solutions DOT compliance assistance
Quarterly claim reviews available on larger risks

Learn more about RLI Transportation Loss Control

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: