RLI

Large-fleet trucking coverage

For-hire and private trucking fleets with 11 or more power units. This is RLI’s retail admitted trucking program.

Requires three full years in business, with the fleet now in its fourth year.

The July 2026 guide excludes fleets domiciled in Alaska, Hawaii or Massachusetts. Louisiana requires a retention of at least $25,000. These restrictions qualify the website’s broad 50-state description.

Prefers fewer than 100,000 miles per unit; more than 130,000 is ineligible.

Dry van, flatbed, heavy haul, refrigerated, auto hauling, intermodal, tanker and bulk hopper operations are listed. Hazmat requires review of commodities by UN number.

Excludes hot shot, dump, wrecker, garbage, hazardous-waste, logging, livestock, hanging/non-boxed meat, drive-away and in-transit ready-mix operations. Brokerage above 20% of trucking revenue is also excluded.

Minimum age 23 and two years of CDL-A experience. Five-year motor-vehicle records must be current within 60 days of inception; violation and accident limits also apply.

Requires a DOT SAFER record and a driver-hiring program. Conditional or Unsatisfactory safety ratings are ineligible.

Auto liability, physical damage, motor truck cargo and general liability are available. Physical-damage deductibles start at $1,000; that is a loss deductible, not a policy price.

Premium, payments and retained risk

Pricing uses mileage by state and loss experience. Most policies are auditable on mileage or gross receipts; the guide states a 90% minimum premium.

RLI lists interest-free installments with 20% down and nine payments, monthly mileage/revenue reporting with a 20% escrow deposit, or payment in full. External financing needs RLI approval.

Auto-liability retentions require collateral using cash and a letter of credit. Liability deductibles range from $2,500 to $500,000; the proposal determines the arrangement.

Review the 90% minimum premium alongside the policy’s audit, cancellation and refund clauses. The public guide does not give a complete cancellation or return-premium calculation.

Getting the policy in place

Needs the large-fleet application, four prior years plus current loss runs valued within 60 days, eight quarters of IFTA reports, vehicle/driver schedules, and accrual financials for two completed fiscal periods plus year to date. Audited financials are not required for this retail program.

Processing starts with a complete submission. The guide gives an average quote time within 30 days and says RLI aims for the requested date; this is not a guaranteed turnaround.

The agent or broker requests federal and state filings. RLI will not make filings until required down payments, escrow and cash collateral are received.

Change requests require written confirmation. Only an RLI Transportation employee can bind endorsements, and changes are not retroactive. No self-service broker-certificate turnaround was established.

Safety and claims support

Policyholders are eligible for one weekday of onsite driver training annually. Multiple sessions can accommodate different driver shifts.

Complimentary access to short driver-safety videos and email-based DOT compliance assistance are included. Compliance topics include records, drug/alcohol policies and Clearinghouse requirements.

Eligible customers can receive hardware and subscription discounts from Samsara, Lytx, Motive, Netradyne and IntelliShift, with platform training. Discount amounts are not published here.

Call 800-444-0406 during business hours or 800-609-8041 after hours. RLI also provides an online accident kit and email reporting. Reporting availability is not a settlement deadline.

RLI publishes separate in-house material-damage and bodily-injury teams. New policyholders can request an onboarding call and discuss how claim updates will be handled.

Quarterly calls with management and the claim team are offered for larger operations with higher claim frequency; this is not a universal quarterly-review promise.

Appointed agents can access online loss runs through their product manager or request them by phone. RLI says the loss runs are updated daily.

Separate wholesale E&S truck program

RLI’s wholesale E&S truck program can consider new ventures or non-renewed accounts, with a $50,000 minimum premium. It has separate state restrictions, excludes hot shot and mid-term price-shopping, and is not the retail large-fleet offer described above.