E&S Auto

Non-Preferred Transportation Hired and Non-Owned Auto (HNOA) Insurance

For pre-approved E&S producers, RLI Transportation is a solution for hard-to-place HNOA risks.

In Florida and Illinois, terms are offered on RLI InsuranceCompany admitted paper. In all other acceptable coverage territories, terms areoffered on Mt. Hawley Insurance Company non-admitted paper.

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Insurance Type

Admitted & Non-admitted

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Distribution

Wholesale

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Availability

Policies cannot be domiciled in and vehicles cannot be registered in the following states: CT, KS, KY, MA, MT, NC, NV, NY or WV. For risks domiciled and registered in eligible states - if they enter NY, use in the 5 boroughs of NY can be incidental only.

Not an agent or broker?

For insurance quotes for E&S hired and non-owned auto, ask your wholesale broker for a quote from RLI.

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.

HNOA-specific criteria

HNOA 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
$25,000 minimum premium
Mixed fleets. Any modifications or permanently attached equipment must be disclosed on the submission
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)
Clear outline of hired and non-owned auto exposures required
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

Ineligible risks

Mid-term submission looking for lower premium
Vehicles with 15+ passenger capacity including the driver
Food delivery
Taxi or limo operations
Ride-share operations
Trucking operations with owner-operator exposures
Accounts with large seasonal 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 HNOA Questionnaire is not required to clear, however the RLI application will be required during the underwriting process.
Effective date: risk must be within 90-days or less of the effective date
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)
Vehicle schedule: excel is preferred including license state, garage city/state, make, model, year, VIN, specific use, seating capacity if applicable, outline modifications, describe permanently attached equipment, and ACV/stated amount
Send new submissions to: ESAuto.Submissions@rlicorp.com

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

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

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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