General & Artisan Contractors Insurance

RLI’s Contrac Pac program is designed to meet the needs of small to medium-sized artisan and general contractors specializing in residential and light commercial projects.

When you partner with RLI and CBIC, you can be assured that our experienced and knowledgeable underwriters will respond quickly to get you the answers and coverage you need. We offer streamlined processing with an easy-to-use online agent portal and contractor-specific applications.

Available coverages

• General liability
• Property
• Inland marine
• Auto
• Umbrella
• Identity theft
• Data compromise
• Contractors license bond

Target account profile

• General contractors — up to $3 million in annual receipts
• Trade contractors — up to $1.5 million in annual receipts
• New construction
• New ventures with acceptable experience
• Job project size up to $1.5 million

Geographic availability

Our Contrac Pac program is available in the following states: Arizona, California, Idaho, Montana, Nevada, New Mexico, North Dakota, Oregon, Tennessee, Texas, Washington and Wyoming.

Agent portal features

• Instant underwriting approval for qualified artisan classes (no underwriting referral)
• Electronic policy delivery
• Electronic signature for online applications
• Agency downloads to several agency management systems such as Applied, AMS and Hawksoft
• Direct bill with payment plan options 

Package Policies

Our package policies are designed for larger contractors that exceed our Contrac Pac appetite. We provide an insurance solution for artisan contractors with no limitation on annual sales and general contractors up to $10 million in annual revenue.

Package policy offerings include:

• Property including equipment breakdown
• Actual loss sustained business income
• General liability
• Identity theft and data compromise
• Employment practices
• Certain class specific enhancement endorsements
• Auto
• Inland marine
• Umbrella