RLI Insurance provides specialized trucking insurance, focusing on commercial fleets and high-risk or hard-to-place transportation risks, typically utilizing its A+ (Superior) rated admitted or Excess & Surplus (E&S) companies. RLI’s appetite is geared toward safety-conscious operators and offers a comprehensive suite of coverages (Auto Liability, Physical Damage, Motor Truck Cargo, and General Liability) with a strong emphasis on risk control services.
RLI Trucking Program Appetite Guide (2026 Focus)
RLI is a specialty insurer, often targeting risks that standard carriers might avoid or that require specialized, tailored coverage.
- Fleet Size & Type: Focuses on fleets with 2+ power units, with a strong emphasis on commercial, for-hire, and specialty transportation.
- Targeted Business Classes:
- For-hire Trucking: General freight, specialized commodities.
- Specialty/Unique Risks: Moving and storage, towing operations, and non-emergency medical transport (NEMT).
- Contractor Fleets: Vehicles associated with construction operations.
- E&S Automotive: Risks that require non-admitted solutions, including those with prior loss frequency/severity or those cancelled/non-renewed by other carriers.
- Minimum Premium:
- $50,000+ minimum policy premium (general trucking).
- $25,000 minimum premium for Hired & Non-Owned Auto (HNOA) only risks.
- Key Coverage Limits: Auto Liability limits up to $5 million, with higher limits available.
Ideal Customer Profile
The ideal RLI trucking customer is a safety-conscious operator that operates professionally but may have complex risk characteristics requiring specialized underwriting.
- Proactive on Safety: Operators who utilize, or are willing to utilize, technology (telematics/cameras) and loss control services to prevent accidents.
- Fleet Maturity: 2+ power units, including small-to-mid-sized fleets.
- Complex Risk Profiles: Companies that may have experienced loss issues (frequency/severity), new operations, or need specialized filings (state/federal).
- High-Value/Specialized Cargo: Businesses needing tailored Cargo Insurance, such as those hauling goods that require higher, specialized limits.
What RLI Offers (Program Benefits)
- Free Loss Control Services: Dedicated experts, on-site driver training, and DOT compliance assistance.
- Technology Discounts: Reduced rates on telematics hardware and subscriptions (Samsara, Lytx, Motive & Netradyne).
- Claims Expertise: In-house specialists focusing on trucking, with online access to loss runs.
- Safety Portal: Access to driver safety training videos.
Note: RLI products are primarily offered through a specialized network of agents and brokers.
