Reliable Transportation Association Launches Digital Physical Damage Insurance for U.S. Commercial Autos

Reliable Transportation Association (RTA), a managing general agent and Lloyd’s of London coverholder, has introduced a new Physical Damage insurance program targeting commercial auto operators across six U.S. states, including Pennsylvania, Ohio, New Jersey, California, Illinois, and Texas. The program responds to increasing operational risks and rising costs in the commercial transportation sector by offering digitally enabled, faster insurance coverage with fewer administrative challenges.

This program addresses critical physical loss exposures such as collisions, rollovers, theft, vandalism, fire, and weather-related damages. Underwritten by Lloyd’s of London, the coverage is accessible exclusively through agents appointed with STAR Mutual RRG, leveraging RTA’s digital platform for near-instant quoting and eligibility decisions. This hybrid model balances automation with underwriter oversight, enabling same-day policy binding and eliminating premium financing costs, which reduces friction for agents and insureds.

By focusing on safety-conscious operators, the program offers tailored pricing reflective of Motor Vehicle Records, loss history, and operational stability. This risk-based approach promotes transparency and fair premiums based on insureds' profiles. The product complements STAR Mutual RRG’s existing commercial auto liability appetite, requiring minimal onboarding for current agents and offering competitive commissions to encourage distribution.

RTA’s initiative represents an advancement in commercial auto insurance by integrating digital workflows with Lloyd’s financial strength, enhancing protection for critical assets like vehicles and minimizing downtime. The program's planned geographic expansion to states such as Georgia and Florida aims to broaden market reach and support a larger network of commercial transportation professionals. This development meets growing industry demands for streamlined, cost-effective insurance solutions optimized for the commercial auto sector.

Overall, this launch signifies a step towards modernizing commercial auto insurance underwriting and distribution. It provides a scalable framework supported by technology to improve agent efficiency and customer experience. Continued enhancements in these areas may influence competitive dynamics and regulatory considerations within the U.S. commercial auto insurance market.