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.

Insurance Type
Admitted & Non-admitted
Distribution
Retail & Wholesale
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.
construction site with machinery

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

Appetite limitations

  • Accounts with beyond incidentalrecycling/waste/sand/aggregate/dirt/gravel hauling
  • Accounts consisting solely of Heavy/Extra heavy unitsincluding but not limited to: bucket trucks, cherry pickers, cranes, dumptrucks, 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
Contractor looking at a laptop

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.

Contractors at job site

Benefits of an RLI Transportation partnership

  • Free access to a dedicated loss control expert
  • Free access to driver safety training videos through RLI SafetySolutions’ proprietary learning portal
  • One free weekday of onsite driver training from an RLI Loss Controlexpert
  • 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
People shaking hands
FOR AGENTS & BROKERES

Resources

Samsara and RLI Partnership

Learn more about how RLI’s partnership with Samsara, which makes it easier than ever to enhance your loss control and driver safety programs using free dashcams for your fleet.

Loss Control Resources

We provide comprehensive services to develop a risk management program tailored to your customers' businesses.

Applications & Guidelines

Access the RLITransportation applications and guidelines you need.

Highway along mountain cliffside
Get Appointed

Ready to Partner with RLI?

If you're an agent or broker with a qualified book of business or a customer with a specialized insurance need, we'd love to partner with you.

Get Appointed

Or contact an expert
Harriet Sennit - Sales Account Executive
P: 856-291-5160 ext. 1567 — rlitransportationcontact@rlicorp.com

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