Reliable Transportation Association, a recognised managing general agent and Lloyd’s of London coverholder, has rolled out a new Physical Damage insurance programme for commercial auto operators, available now across six key U.S. states.
This launch responds to an increasing demand for agile and tech-driven insurance solutions in the commercial transport space, according to FF News.
With fleets facing a heightened risk environment and operational challenges, RTA’s latest programme aims to ease coverage access and improve efficiency for both agents and insureds.
As the underwriting and distribution partner for STAR Mutual RRG, RTA plays a pivotal role in advancing digital-first solutions for commercial auto insurance. The company supports a national agent network and is dedicated to delivering flexible, modern insurance tools.
Underwritten by Lloyd’s of London, the newly introduced coverage includes protection from physical damage caused by collisions, rollovers, theft, vandalism, fire, and adverse weather. Initially available in Pennsylvania, Ohio, New Jersey, California, Illinois, and Texas, the programme is slated to expand into Georgia and Florida later in the year.
The product is offered exclusively via STAR Mutual RRG-appointed agents and is supported by RTA’s proprietary digital platform. This infrastructure enables agents to receive near-instant quotes and eligibility assessments. The hybrid model incorporates automation with oversight, allowing most applications to be quoted and bound the same day. The absence of premium financing costs also reduces friction for insured clients.
Operators with strong safety profiles are prioritised in this programme. Clean MVRs, good loss histories, and operational consistency are rewarded with dynamic pricing tailored to individual risk data.
The coverage closely reflects STAR Mutual RRG’s liability appetite, with minor adjustments for physical damage. STAR-contracted agents can start offering the programme immediately without any extra onboarding. Additionally, attractive commissions are part of the rollout strategy.
“This program reflects our continued investment in smarter products, streamlined workflows, and stronger partnerships,” said the Reliable Transportation Association. “By combining the security and financial strength of Lloyd’s with our instant quoting and eligibility platform, we’re equipping agents with a truly modern tool to protect what matters most to their clients – their vehicles, their uptime, and their livelihoods.”
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