contractors liability insurance

Contrac Pac from CBIC

…designed to meet the needs of small to medium-sized artisan and general contractors specializing in residential and light commercial projects.

Contractors Bonding and Insurance Company (CBIC) — an RLI Company — developed Contrac Pac in response to the unique needs of construction professionals. Contrac Pac is a program for contractors which can package a contractors license bond, general liability, property and inland marine insurance.


  • General contractors that are active in the day-to-day operations, on the jobsite daily and have annual receipts of $3 million or less
  • Trade contractors with annual receipts of $1.5 million or less
  • Favorable financial condition verified by individual credit check (required for general contractors only)
  • New ventures with acceptable experience
  • New construction work on apartment, town homes or co-op projects up to 12 units (excluding new condos of any size)
  • General contractors working on 5 or less new residential units annually in a tract, subdivision or development
  • Trade contractors working on 15 or less new residential units annually in a tract, subdivision or development

Available coverages:

  • General liability with limits up to $1,000,000/$2,000,000, including products and completed operations
  • Identity recovery*
  • Property*
  • Inland marine coverages*
  • Non-owned auto liability*
  • Contractors license bonds*

*Available in some states

On-line agents portal featuring:

  • Quick quote with minimal entry
  • Streamlined applications (specific to class)
  • Ability to create a customized proposal
  • Submission with the click of a button
  • Ability to save partially completed entries
  • Generate certificates of insurance
  • View/print policy documents/electronic policy delivery
  • Forms library
  • Direct bill payment plan


  • Steady, consistent and reliable admitted market since 1979
  • Construction industry knowledge and experience
  • Experienced underwriters located throughout the country
  • Excellent customer service
  • Prompt and efficient claims handling
  • Rated "A+" (Superior) by A.M. Best, licensed in 50 states and U.S. Treasury listed

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