Artisan & General Contractors Insurance
RLI’s Contrac Pac® and Specialty Package 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 |
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| 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 |
