Commercial Specialty Auto

Hired & Non-Owned Auto

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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, ME or TX. Not available in South Florida, South Texas, San Francisco, Los Angeles and Cook County, Illinois.

aerial view of an interstate

Not an agent or broker?

If you are a hired and non-owned fleet owner or manager interested in transportation insurance, ask your insurance agent or broker for a quote from RLI.

Submission clearance requirements

ACORD 125 and ACORD 137
Completed RLI Hired & Non-Owned Questionnaire
4 years of currently valued hard copy loss runs with details on all losses over $25,000
Drivers list with dates of birth, dates of hire, drivers’ license numbers and states (in Microsoft Excel if possible)

Vehicles driving on the road

Additional requirements

Two most recent year-end, audited financial statements, balance sheet and income statement
Current MVRs for all drivers or up to a 100 MVR sample that is picked by RLI

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 and there are no indications of financial strain.

SUV driving along the coastline

Hired & non-owned auto criteria

Minimum premium of $10,000
Hired and non-owned fleets of all sizes
Multi-state operations
Local/intermediate radius of hired & non-owned operators preferred
Insureds that have less than one year of operating experience are not a fit
Accounts with large seasonal exposure are not a fit
Symbol 10 policies are available

Car driving down the road

Target business classes

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Operations with Large Non-owned Auto Exposure Preferred

Some target classes include, but are not limited to:

Home healthcare (No passenger transport exposure)
Sales, service, cleaning, office support and training operations
Construction & contractor operations
Real estate
Municipalities

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Ineligible Classes for Standalone HNOA Business

Large independent contractor exposures
Ride-share operations
Patient transport or any livery operations
Food delivery operations
Cannabis delivery
Owner-operator trucking operations
Couriers
Drive-away contractor

our value

Benefits of an RLI Transportation partnership

Loss Control Experts

Free access to a dedicated loss control experts.

Driver Safety Videos

Complimentary access to driver safety training videos via RLI Safety Solutions’ proprietary learning portal.

On-site Driver Training

One free weekday of on-site driver training from an RLI Loss Control expert.

Telematics Discounts

Discounts on hardware and subscription costs from Samsara, Lytx and Motive.

DOT Compliance Assistance

Complimentary access to RLI Safety Solutions DOT compliance assistance.

Large Risks Claim Reviews

Quarterly claim reviews available for larger risks.

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.

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