How do I obtain a quote from R & L?
When can I expect a response on a submission?
How long is a Premium Indication valid?
What are R & L’s core states of business?
Will R & L consider risks outside their core states of business?
Does R & L require me to sign a contract?
What lines of coverage are available?
What companies are represented by R & L?
Who issues certificates of insurance?
Do I have binding authority?
How do I cancel a policy?
Does R & L offer premium financing?
What types of accounts does R & L typically bind?
Who do I contact if I have a different question?
If you are a licensed agent, we accept submissions via email, fax or mail. Please view the
Contact Us tab for more details. To obtain an instant quote, check out our online rater, Get
A Quote. If you are an unlicensed individual looking for a quote, please contact a local
agent and they can contact us.
We will respond by the next business day at noon for Commercial Auto risks with up to five
power units. We pride ourselves on a very quick turnaround on all submissions, but we will
wait to release a Premium Indication until the proposed inception date is within 30 days.
Our Premium Indications are valid for 30 days.
We’re able to offer all our products in Colorado, Illinois, Iowa, Kansas, Missouri, Nebraska and South Dakota.
Yes, we will consider multi-state Commercial Auto risks if one state
is one of our core states. We will also consider large Commercial Auto (ten power units or more)
and Garage ($10,000 minimum premium) accounts in any other state except Massachusetts. General Liability,
Commercial Property and Workers' Compensation are available in other states on a submit basis.
Once we bind our first piece of business with your office, we will require a signed Producer
Agreement and proof of Errors and Omissions coverage.
We offer Commercial Auto, Garage Liability, General Liability, Motor Truck Cargo, Prize
Indemnification, Commercial Property and Workers' Compensation (not all coverages available in all states).
Check out our
Products pages to see which coverages we can package.
National Indemnity group of insurance companies
- National Indemnity Company
- Columbia Insurance Company
- National Fire & Marine Insurance Company
- National Indemnity Company of the South
- National Liability & Fire Insurance Company
- National Indemnity Company of Mid-America
United States Liability Group of Insurance Companies
- United States Liability Insurance
- US Underwriters Insurance
- Mount Vernon Fire Insurance Company
Berkshire Hathaway Homestate Companies
- Berkshire Hathaway Homestate Insurance Company
- Brookwood Insurance Company
- Continental Divide Insurance Company
- Cypress Insurance Company
- Oak River Insurance Company
- Redwood Fire and Casualty Insurance Company
You are able to issue Commercial Auto certificates of insurance by clicking on
Issue a Certificate. All other certificates of insurance will need to be issued from our office.
No, a policy is not considered bound until you contact R & L and receive expressed permission. Please see our
Binding tab for more instructions.
We do not have a premium finance company, however we are able to offer a
Direct Bill
program that provides a variety of payment options on select risks. See our
Billing quick
link for more details.