Contractor's Liability

For owners, developers, owners-contractors protectives (OCPs), general or artisan contractors, RLI offers a broad range of general liability and excess liability coverages.

Coverage

RLI offers primary general liability coverage up to $1 million per occurrence and $2 million aggregate. Excess liability coverage is offered up to $10 million per occurrence and $10 million aggregate.

Underwriting experience

Uncommon authority to be the best

RLI specializes in finding innovative solutions for difficult or niche-driven risks. Whether you need a practice policy or a project specific policy, with the knowledge and expertise of an RLI underwriter, a policy can be tailored to provide coverage unique construction risks.

Excess and surplus lines coverages on a non-admitted basis
Flexible, knowledgeable, individual risk underwriters that can tailor the policy to the needs of the insured
A wide variety of classes available including larger difficult accounts
Policies issued within 15 days
Customized self-insured retention and large deductible programs available as well as standard policy deductibles

Who we work with

Commercial Sector Contractors

We prefer general contracts doing brick-and-mortar-type work such as ground up construction, exterior refreshing, interior build-outs, new additions or building maintenance.

Coverages include:

Owners' interest construction projects
Flat concrete work including water treatment plant construction
Some commercial subcontractors, including electricians, plumbing and mechanical services
Fire restoration
Machinery repair and service
Alarm installation, excluding monitoring services
Fireproofing material installation
Project specific construction; multi-year deals

Artisan Contractors

We write artisan contractors working on commercial buildings, such as:

Electricians
Plumbers
Boiler service
HVAC service and repair

Residential Sector Contractors

We provide full coverage for single-family home developers with a limited number of new starts per year. We also write:

Home remodelers
Fire and water damage restoration
Demolition contractors: up to three stories