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General & Artisan Contractors Insurance
Back to Construction Insurance

Artisan & General Contractors Insurance

RLI’s Contrac Pac® and Specialty Package admitted programs are designed to meet the needs of artisan and general contracting businesses of various sizes specializing in residential and commercial projects.

RLI|CBIC has written contractors since 1979. Our program is supported by underwriters with strong industry expertise who provide the same high service standards you’ve come to expect from RLI. We have a proven track record of profitability and stability in an ever-changing construction marketplace.

RLI|CBIC has two admitted Construction Contractor products, providing the capability to write contractors of various sizes and classifications.

Contrac Pac®

This product targets small to medium-sized contractors performing residential and commercial operations. Our sleek online agency portal provides streamlined quoting, with integrated applications, intelligent underwriting capabilities and bind on-demand capabilities. Coverages are built around a general liability base.

Specialty Package

Our package policies are designed for larger contractors with full package capabilities submitted via traditional ACORD applications, and provide maximum flexibility for creative coverage solutions.

Target Account Profile

General Contractors

    • Owner must be active on the jobsite daily
    • Hires and supervises all subcontractors; no cap on ratio
    • New construction permissible – excluding townhomes, rowhouses, co-op buildings, condos and/or common interest developments of any size 
    • Up to 5 homes in a tract/subdivision per policy period 
    • Contrac Pac
      • Gross receipts of $3M and under
    • Specialty Package
      • Gross receipts over $3M
      • Or contractors that do not fit Contrac Pac

Artisan Trade Contractors

      • New ventures acceptable with 3 years trade experience
      • Residential or commercial operations
      • Contrac Pac
        • Gross receipts of $2M and under
      • Specialty Package
        • Gross receipts over $2M
        • Or contractors that do not fit Contrac Pac

Geographic Availability

Our programs are available nationwide, with the exception of Colorado and New York.

Product Offerings:

General Liability Contrac Pac® Specialty Package
Contractors Liability Endorsement Available Available
Excess Liability (up to $5M) Limited Availability* Available
Cyber Liability Available Available
Stop Gap Available Available
Other AI forms Available Available
  • Including ongoing and completed operations
  • Scheduled or blanket
Inland Marine Contrac Pac® Specialty Package
Contractors Tools and Equipment Available Available
Installation Floater Available Available
Employee Tools Available Available
Non-Owned Equipment Available Available
 
Commercial Property Contrac Pac® Specialty Package
Building N/A Available
Business Personal Property Available Available
Business Income N/A Available
 
Commercial Auto Contrac Pac® Specialty Package
Hired / Non-Owned Limited Availability* Available
Owned Auto N/A Available
*Refer to underwriter for more details

 

 

CBIC Contract Pac

Contractors Bonding and Insurance Company

RLI’s general and artisan contractors insurance is underwritten by CBIC, an RLI company. Learn more about our products and team.

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