Transportation

E&S Auto

E&S transportation coverage starts with auto liability before other coverages are added.

In Florida and Illinois, terms are offered by RLI Insurance Company . In all other acceptable coverage territories, terms are offered non-admitted by Mt. Hawley Insurance Company.

Get Appointed

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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, NC, NV, NY, WA 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?

If you're a fleet owner/manager seeking an insurance quote, ask your commercial insurance agent or broker for a quote from RLI, or contact us for a referral.

Who we work with

RLI E&S Transportation accepts new submissions for consideration from pre-approved surplus lines licensed producers.

We are excited to offer a non-admitted transportation solution to insureds who:

Are engaged insurance partners
Want to proactively make safety improvements and are open to implementing suggestions from our internal loss control experts
Value the strategic and holistic insurance carrier approach
Are not simply looking for lower premium

If you have risks that meet the qualifications above, the following guidelines will assist you in qualifying, submitting and binding E&S business with RLI Transportation. They are subject to change without notice.

High-level appetite guide

E&S Transportation, Mt. Hawley (A+) rated, non-admitted

Auto Liability (AL): If AL written, Physical Damage, Motor Truck Cargo and General Liability are available
$50,000+ minimum policy premium
2+ power unit fleet risks that require and E&S carrier solution
Risks declined by RLI's Transportation program and other admitted carriers

Examples of target markets

Targeted Markets

New operations
Higher-risk territories including South Florida, SouthTexas, Los Angeles County in California, San Francisco County in California orCook County in Illinois
Loss issues: frequency and/or severity
Risks being cancelled or non-renewed
Mixed fleet risks (can issue state and federal filings)
Substantial change in risk: operations that are growing orshrinking and/or changing the commodity they haul
Businesses that need loss control/safety/complianceassistance

Trucking

Significant number of newer CDL drivers
Significant number of Mexican CDL drivers: Must have a valid Licencia Federal de Conductor issued by Mexico’s SCT and appropriate license class based on the type of vehicle operated (business must follow U.S. cabotage rules)
Dump trucks
Recycling
Waste haulers
Sand and gravel

Commercial Specialty Auto

Couriers including Amazon delivery
Towing including repossession
Drive away contractors
NEMT (targeting risks with 15 or less passengers)

Public Transportation

Paratransit operations including those with wheelchair lifts.

Ineligible risks

Businesses that operate more than incidentally in the 5boroughs of NY (Manhattan, Brooklyn, Queens, The Bronx, Staten Island)
Rental operations
Mid-term submission looking for lower premium
Accounts with large seasonal exposures
Large subcontractor exposure when federal filings are notrequired: will not offer hired auto coverage
Large subcontractor exposure when federal fillings are notrequired: will not offer terms on this risk
Intermingled businesses unless we're offering terms on allexposures
Risks with a clear history of egregious behavior surroundingloss control, safety and compliance
Passenger carrying risks that require a $5 million limit
Passenger carrying risks with 15+ passenger capacity
Taxi
Ride Share
Food Delivery
Hot Shot trucking
Oil & Gas related risks
Charter bus operations

Submission clearance requirements

Account narrative strategy, and market position - send copy of cancellation or non-renewal notice if applicable
Completed RLI E&S Trucking Application
5 years of currently valued hard copy loss runs valued within 60 days or less from proposed inception with details on all open losses and losses over $50,000.
Vehicle schedule in Excel with licensing state, garaging city/state, year/make/model/VIN, specific use, seating capacity, disclosure of any modifications or permanently attached equipment and stated amount
Driver schedule in Excel including date of birth, date of hire, driver's license number and state
Send new submissions to: ESAuto.Submissions@rlicorp.com

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Benefits of an RLI Transportation partnership

Free access to a dedicated loss control expert
Complimentary access to driver safety training videos through RLI Safety Solutions' proprietary Learning Management System (LMS)
One free weekday of on-site driver training from an RLI Loss Control expert
Discounts on hardware and subscription costs from Samsara, Lytx and Motive
Complimentary access to RLI Safety Solutions DOT compliance assistance
Quarterly claim reviews available for larger risks