Transportation

Commercial Specialty Auto Insurance

Our extensive experience in commercial specialty auto insurance combined with our ability to create innovative solutions helps us meet the needs of our insureds.

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Insurance Type

Admitted & Non-admitted

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Distribution

Retail & Wholesale

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Availability

Policies cannot be domiciled in or significantly operating in AK, HI, LA, MA, MT, NM, NV or NY. Not targeting risks domiciled in or primarily operating in South Florida (south of Lake Okeechobee), South Texas (south of Houston), Los Angeles, San Francisco, Marin and Alameda counties in California, Cook County in Illinois or in metro New Jersey. We define significantly 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 commercial specialty auto fleet owner or operator interested in transportation insurance, please ask your agent or broker for a quote from RLI.

Coverage

The coverage your customers need for the road ahead

Auto Liability: A range of deductibles and coverage limits up to $5 million
Physical Damage: A range of deductibles starting as low as $1,000 for comprehensive and collision coverage
Other coverages: Hired and non-owned as well as garagekeeper legal liability excess

See our commercial specialty auto guidelines

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Targeted business classes

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Targeted business classes

$10,000 minimum policy premium, any radius.

Commercial specialty auto insurance fleets — private passenger, light, medium, heavy or extra heavy — that are used in the following industry segments:

Hospitals
Ambulances (minimum of 5 units)
Couriers (Amazon couriers or operations that require Federal Filings are not a fit)
Truck/CDL driving schools (minimum 5 units)
Public entities
‍Hired non-owned (standalone & bundled. Not for cannabis, food delivery, courier, passenger transport risks or large independent contractor risks)
Symbol 10
Security operations
‍Construction & contractors (fleet cannot consist of heavy/extra heavy units, must be mixed fleets or largely light, medium and private passenger)
Manufacturing
Communications
Wholesalers and distributors
Retail trades
Financial institutions
Real estate companies(i.e. REITS)
Miscellaneous services
PublicAdministration
Overseas parent corporationswith U.S.-based operations
Cannabis distributors(no residential delivery, no delivery in hired/non-owned autos)

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Non-eligible Commercial Auto Classes

Flat bed operations (incidental okay)
Container haulers/intermodal
Dump operations (incidental okay)
Cherry pickers (incidental okay)
Cranes (incidental okay)
Risks requiring federal filings or MCS-90 endorsements
Amazon couriers
Food delivery operations (wholesale distributors okay)
Wheelchair van operations for NEMT risks (NEMT ambulance risks are a fit)
Small fleet ambulance operations (fewer than 5 units)
New venture operations (accounts must be in business for at least 1 full year)
Ride share operations
Airport shuttle services
Risks with high loss frequency
Small fleet trucking (For trucking risks with 50 or more units, please contact Ali Zandkarimi at 404-443-1007)
Hot shot operations or expeditors
Railroad operations
Oil and gas operations
Staffing agencies
Fleet mixes with a high proportion of heavy/extra heavy
Trucks (targeting risks with 25% H/HX mix or less)
Vehicle rental operations
Long distance radius of operations
Operations occurring on or near ports or marinas
Operations occurring in tribal territories
Passenger transport operations in hired or non-owned autos
Child transport or daycare operations
Ambulance operations in MI or NJ
Drug rehabilitation facilities
Risks with large independent contractor exposures
Logging operations
Risks that are mid-term moves
Explosives
Hazardous material haulers of any kind
Residential or commercial waste haulers/recycling operations
Carnival or circus operations
Livestock haulers
Towing operations
Railroad operations
Oil and gas operations
Staffing agencies
Drive away contractors

Explore our featured segments

Hired & Non-Owned Auto

Lean on our experience

Our underwriters are experts at handling commercial specialty auto risks and designing financing alternatives to fit your budget requirements — including deductibles and self-insured retentions.

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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
Free access to RLI Safety Solutions DOT compliance assistance
Quarterly claim reviews available on larger risks

Learn more about RLI Transportation Loss Control