Contractor Fleets | Excess & Surplus Auto Insurance

Creative solutions for hard-to-place risks

Everyone has a story and we're here to listen. All risks are diligently reviewed to devise creative solutions. Our service extends beyond a transactional product; we aim to form partnerships and build relationships with our producers and insureds.

Requirements

Contractor-specific criteria

Contractor risks require insurance solutions are based on several factors, including but not limited to issuance of a non-renewal or cancellation notice, claim issues (frequency and/or severity), lack of industry experience/being a new venture and the need for dedicated loss control support.
$50,000 minimum premium
Only commercial-use mixed-fleets including private passenger vehicles, light/medium trucks, heavy trucks, extra-heavy trucks or tractor trailers, dump trucks and cement mixers.
Any modifications or permanently attached equipment must be disclosed on the submission such as: cranes, water pumps, claw arms and cement mixers.
Recycling/waste/sand/aggregate/dirt/gravel hauling
Explosive or hazmat exposure Higher-risk territories including South Florida, South Texas, Los Angeles County in California, San Francisco County in California or Cook County in Illinois No radius limitations (local, intermediate, long distance)
Can post filings (federal and state)
Business owners willing to work with the underwriter and loss control team to implement necessary requirements and recommendations with an emphasis on prioritizing safety and loss control

Hired and non-owned liability can be standalone or in addition to fleet coverage.

Contractor working with laptop and phone in truck cab

Ineligible risks

Mid-term submission looking for lower premium
Oil and gas related operations Accounts with large seasonal exposures Large, independent contractor exposures
Intermingled businesses unless we’re offering terms on all exposures
Risks with a clear history of egregious behavior surrounding loss control, safety and compliance

Submission clearance requirements

Application: Completed application including account narrative, strategy, market position, coverages and desired symbols. An RLI E&S Contractor Questionnaire is not required to clear, however the RLI application will be required during the underwriting process.
Loss Runs: 4 years of currently valued hard copy loss runs valued within the past 90 days or less of the effective date (5th year may be required after file review)
Effective date: 90-days or less from the effective date
Vehicle schedule: Excel is preferred, including licensing state, garaging city and state, year, make, model and VIN, specific use, seating capacity, modifications or permanently attached equipment and stated amount
Send new submissions to: ESAuto.Submissions@rlicorp.com

Contractor talking to someone in a truck

Additional requirements

Financials: may be requested, including the two most recent year-end audited financial statements, balance sheet and income statement on an accrual basis
Current MVRs for all drivers
Acceptable loss control inspection or digital risk review, completed and reviewed by our internal loss control team – Insured to complete: E&S - Digital Risk Review

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

loss control at rli transportation

Discover the value of RLI Loss Control

In partnership with you, we combine your business expertise with our experience. Together, we’ll develop a customized risk management program designed to reduce costs and keep your operations safe by preventing accidents and reducing the severity of accidents.

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