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, MT, NC, NM, NJ, NV, NY 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 more information.

Creative solutions for hard-to-place risks

Everyone has a story and we're here to listen. All risks are diligently reviewed to devise creative solutions. Our service extends beyond a transactional product - we aim to form partnerships and build relationships with our producers and insureds.

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 transportation solution:

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 is available
$50,000+ minimum policy premium, $25,000 minimum premium for HNOA only risks
2+ power unit fleet risks that require and E&S carrier solution
Risks declined by RLI's Transportation program and other admitted carriers

Targeted business classes

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Targeted business classes

Ambulance
Appliance delivery
Claim activity but willingness to engage with carrier to mitigate and improve
Complex or unique operations requiring tailored coverage
Contractor fleets (pest control, street sweeping, construction, trade contractors, debris removal, etc.)
Contractors with vehicles that have permanently attached equipment (cherry pickers, cranes, etc.)
Couriers (Amazon and final mile not a fit)
Coverage: auto liability and physical damage
Drive Away Contractor
Dump Trucks
Federal filings and/or MCS-90 endorsement
Flatbed operations (as long as not for hire)
Healthcare related fleet
Long-distance radius
Loss Control/Safety/Compliance: risks that need assistance building on their foundational safety culture and are willing to engage
Manufacturing
Minimum premium: $50K (except standalone HNOA)
Mixed fleets (PPT, light-medium, heavy, extra heavy)
Multi-state risks (vehicles must be licensed and registered in eligible states)
Newer ventures (owner has experience in the industry)
Passenger exposure: NEMT and Paratransit risks (15 or less total passengers)
Quality risks in higher risk territories: South FL, South TX, Los Angeles County, San Francisco County
Risks declined by RLI's preferred commercial specialty auto (CSA) product
Risks with a gap in coverage (signed NKLL required)
Security Operation
Standalone hired and non-owned auto (HNOA) on an if/any basis: $25K+ MP
Standard market declined: risk factors including territory, fleet mix, risk class, growth, etc. make risk ineligible for preferred terms
Symbols 10 and 11
Towing
Wholesale and Distributors

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Non-eligible E&S classes

Accounts with large seasonal exposures
Airport Shuttle
Amazon couriers or final mile couriers
Ambulance: small feet (less than 5 units)
Businesses that operate more than incidentally in the 5 boroughs of NY (Manhattan, Brooklyn, Queens, The Bronx, Staten Island)
Carnival or circus operations
Charter bus operations
Claim frequency and severity - operations with substantial claim activity: cannot profitably write the risk
Container haulers/intermodal
Contingent coverage (AL and physical damage)
Explosives hauler
Food Delivery (wholesale acceptable)
For-hire trucking
Hazardous material hauler
Hot Shot trucking
Intermingled businesses unless we're offering terms on all exposures
Large subcontractor exposure when federal filings are not required: will not offer hired auto coverage
Livestock haulers
Logging operations
Loss Control/Safety/Compliance: risks with a clear history of egregious behavior surrounding loss control, safety and compliance
Mid-term submission looking for lower premium
Non-domiciled CDL drivers
Oil & Gas related risks
Passenger carrying risks that require a $5 million limit
Passenger carrying risks with 15+ passenger capacity
Passenger exposure: Behavioral Health
Passenger exposure: Child Transport or Daycare Operation
Passenger exposure: Drug Rehabilitation Facility
Passenger Transport in hired or non-owned autos
Passenger transport in: MI
Ports/Marina exposure: operations occurring on or near
Railroad operations
Rental operations
Ride Share
Risks requiring coverage from a market of last resort due to substantial issues surrounding loss control/safety and/or claims
Staffing agencies
Taxi
Tribal territory exposure
Waste/Recycling - residential and commercial

Submission clearance requirements

Application: Completed application including account narrative, strategy, market position, coverages and desired symbols. An RLI E&S application is not required to clear, however the RLI application will be required during the underwriting process.
Loss Runs: 4 years of currently valued hard copy loss runs valued within the past 90 days or less of the effective date (5th year may be required after file review)
Submission date: 90-days or less from the effective date
Vehicle schedule: Excel is preferred, including licensing state, garaging city and state, year, make, model and VIN, specific use, seating capacity, modifications or permanently attached equipment and stated amount
Send new submissions to: ESAuto.Submissions@rlicorp.com

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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Hired & Non-owned Fleets - E&S Auto

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NEMT Insurance

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Non-Preferred Transportation Healthcare

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Security Fleets - E&S Auto

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Towing Insurance

Benefits of an RLI Transportation partnership

Access to a dedicated loss control expert
Access to driver safety training videos through RLI Safety Solutions' proprietary learning portal
One weekday of on-site driver training from an RLI Loss Control expert
Discounts on hardware and subscription costs from Samsara, Lytx, Motive & Netradyne
Discounted rate for access to critical compliance solutions from Transportation Advisors
Access to RLI Safety Solutions DOT compliance assistance
Quarterly claim reviews available for larger risks