Transportation

E&S Auto

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

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

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.

Appetite & Eligibility

Coverage requirements & ineligible risks

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

Ineligible risks

Businesses that operate in the 5 boroughs of New York (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 not required: will not offer hired auto coverage
Large subcontractor exposure when federal filings are required: will not offer terms on this risk
Intermingled businesses unless we're offering terms on all exposures
Risks with a clear history of egregious behavior surrounding loss control, safety and compliance
Taxi
Ride share
Food delivery
Hot Shot trucking
Charter bus operations
Oil and Gas related risks
Passenger carrying risks with 15+ passenger capacity
Passenger carrying risks that require a $5M limit

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 $50K.
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

Coverage territory

RLI offers coverage throughout the U.S. with the following exceptions:

Policies cannot be domiciled in and vehicles cannot be registered in the following states: CT, KS, KY, MA, NC, NV, NY, WA, WV
For risks domiciled and registered in eligible states - if they enter NY, use in the 5 boroughs of NY can be incidental only

Innovation forward

Our extensive experience in non-admitted transportation insurance, combined with our ability to create innovative solutions and work closely with our internal expert loss control team, helps us meet the needs of our insureds.

Explore our featured segments

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Ambulance Fleets - E&S Auto

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Appliance Delivery

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Contractor Fleets - E&S Auto

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Healthcare Auto Fleet Insurance

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Hired & Non-owned Fleets - E&S Auto

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NEMT Insurance

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Security Fleets - E&S Auto

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Towing Insurance

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Truck Insurance E&S Auto

Target business types

Targeted Markets

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

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 US 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.

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