RLI Corporation
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
RLI’s published General Liability appetite is a wholesale-distributed, non-admitted/E&S offering available in all 50 U.S. states. Core GL limits are up to $1M per occurrence / $2M aggregate, with product liability available at similar primary limits and excess limits up to $10M for products exposure. RLI emphasizes quick decisions, policies issued within 15 days, flexible underwriting for specialized and difficult accounts, and availability of customized SIR and large deductible structures in addition to standard deductibles. Preferred/target business includes: contractors (general contractors for new construction and renovations, select artisan contractors, most commercial trade contractors, demolition for structures under four stories and interior demolition only, no wrecking ball or blasting, flat concrete work including water treatment plant construction, owners interest, landscape/site work, fire/restoration, machinery installation/repair, and OCP/owners interest on construction projects); products/manufacturing (diagnostic, electronics, medical and laboratory instruments/components; plush/dolls/accessories/games; clothing/textiles/footwear except children’s clothes and sleepwear; aftermarket non-critical auto parts; machine shops, heat processing, foundries, electroplating and non-structural fabrication; paper products, soaps/detergents, home décor; surgical, non-invasive and diagnostic medical products; cosmetic/personal care goods excluding hair relaxers or products containing lye; non-pressurized tanks, non-powered tools, light trailers, fasteners; computer equipment/accessories/component parts); and habitation/premises risks (retail/mercantile owned and LRO including shopping centers, buildings owned and LRO including office/warehouse/industrial/vacant, and condominiums). Explicit restrictions/declines visible on the public appetite page include demolition using wrecking ball or blasting, children’s clothing and sleepwear, cosmetic/personal care products containing lye or hair relaxers, and pressurized or powered metal goods outside the listed appetite; other classes appear to be individually underwritten rather than broadly advertised. Geography note: nationwide availability in all 50 states. Submission/producer guidance: business is placed through wholesale insurance brokers; insureds cannot buy direct. New agents/brokers are directed to use RLI’s Get Appointed process, while existing partners are instructed to contact the regional Commercial Casualty underwriter for submissions and coverage questions. RLI also notes it welcomes brokers/agents, MGAs, MGUs, program administrators, associations, aggregators, and other distribution partners for broader partnership discussions.