E&S Auto

Non-preferred Non-emergency Medical Transportation & Paratransit Insurance

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

In Florida and Illinois, terms are offered on RLI Insurance Company admitted paper. In all other acceptable coverage territories, terms are offered 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 non-emergency medical transportation and paratransit, ask your wholesale broker for a quote from RLI.

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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.

NEMT & paratransit criteria

NEMT & Paratransit 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
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)
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.

Someone helping an elderly woman out of a vehicle

Ineligible risks

Mid-term submission looking for lower premium
Vehicles with 15+ passenger capacity including the driver
Accounts with large seasonal exposures
Large subcontractor exposure when federal filings are not required: will not offer hired auto coverage
Large subcontractor exposure when federal filings are required: will not offer terms on this risk
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 Non-Emergency Medical Transport 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

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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

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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 safety & risk management solutions

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.

Learn more