Commercial Specialty Auto

Contractor Fleets

Get Appointed

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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 NV, NM, MA, LA, MT, HI, NY, AK, NJ or MI. Not available in South Florida, South Texas, San Francisco, Los Angeles and Cook County, Illinois.

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 is preferred

Contractor talking to someone in a truck

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.

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.

appetite & eligibility

Excluded business types & categories

Accounts consisting solely of heavy/extra heavy units including but not limited to: bucket trucks; cherry pickers; cranes; dump trucks; cement mixers; and tractor trailers
Accounts with beyond incidental recycling, waste, sand, aggregate, dirt and gravel hauling
Accounts that require federal filings are
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

Online tools

Access our Digital Risk Review

Created with you in mind, our digital risk review offers more flexibility than traditional onsite assessments and can be completed from any internet-connected device.

Get Started

FOR AGENTS & BROKERES

Resources

Distracted Driving Training

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.