E&S Auto

Non-Preferred Transportation Contractor Fleet Insurance

For pre-approved E&S producers, RLI Transportation is a solution for hard-to-place truck risks.

In Illinois and Florida, policies are underwritten by RLI Insurance Company. In all other geographic areas, policies are underwritten by Mt. Hawley Insurance Company, an RLI subsidiary.

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Insurance Type

Non-admitted

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Distribution

Wholesale

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Availability

Policies cannot be domiciled and vehicles cannot be registered in CT, KS, KY, MA, NC, NY, NV, WA and WV.

interstate with a city in the background

Not an agent or broker?

For insurance quotes for E&S contractor fleet, ask your wholesale brokers for a quote from RLI.

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.

Requirements

Contractor-specific criteria

Contractor risks require insurance solutions are based on several factors, including but not limited to issuance of a non-renewal or cancellation notice, claim issues (frequency and/or severity), lack of industry experience/being a new venture and the need for dedicated loss control support.
$50,000 minimum premium
Only commercial-use mixed-fleets including private passenger vehicles, light/medium trucks, heavy trucks, extra-heavy trucks or tractor trailers, dump trucks and cement mixers.
Any modifications or permanently attached equipment must be disclosed on the submission such as: cranes, water pumps, claw arms and cement mixers.
Recycling/waste/sand/aggregate/dirt/gravel hauling
Explosive or hazmat exposure Higher-risk territories including South Florida, South Texas, Los Angeles County in California, San Francisco County in California or Cook County in Illinois No radius limitations (local, intermediate, long distance)
Can post filings (federal and state)
Business owners willing to work with the underwriter and loss control team to implement necessary requirements and recommendations with an emphasis on prioritizing safety and loss control

Contractor working with laptop and phone in truck cab

Coverage

Additional coverages & ineligible risks

Hired and non-owned liability can be standalone or in addition to fleet coverage.

Ineligible risks

Mid-term submission looking for lower premium
Oil and gas related operations Accounts with large seasonal exposures Large, independent contractor exposures
Intermingled businesses unless we’re offering terms on all exposures
Risks with a clear history of egregious behavior surrounding loss control, safety and compliance
Submission Clearance Requirements Account narrative, strategy and market position – send copy of cancellation or non-renewal notice if applicable
Completed RLI E&S Contractor Questionnaire
Five 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 $25k 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

Submission clearance requirements

Submission Clearance Requirements
Account narrative, strategy and market position – send copy of cancellation or non-renewal notice if applicable
Completed RLI E&S Contractor Questionnaire
Five 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 $25k 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

Contractor talking to someone in a truck

Additional requirements

Financials: two most recent year-end audited financial statements, balance sheet and income statement on an accrual basis
Current 5-year MVRs for all drivers
Acceptable loss control inspection or digital risk review, completed and reviewed by our internal loss control team – Insured to complete: E&S - Digital Risk Review

Coverage territory

RLI offers coverage throughout the U.S. with the following exceptions:
Policies cannot be domiciled and vehicles cannot be registered in the following states: CT, KS, KY, MA, NC, NY, NV, WA, WV
For risks domiciled and registered in eligible states, if they enter NY, use in the five boroughs of NY can only be incidental
In FL and IL, terms are offered on RLI Insurance Company admitted paper
In all other acceptable coverage territories, terms are offered on Mt. Hawley Insurance Company non-admitted paper

our value

Benefits of 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.

loss control at rli transportation

Discover the Value of RLI Loss Control

In partnership with you, we combine your business expertise with our experience. Together, we’ll develop a customized risk management program designed to reduce costs and keep your operations safe by preventing accidents and reducing the severity of accidents.

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