Contractor's Liability

RLI offers a broad range of general liability and excess liability coverages to contractors including owners, developers, OCPs (owners contractors protective), general contractors and artisan contractors.

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.

RLI Casualty offers:

• 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

Coverage Amounts

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.

Geographic Availability

RLI's construction liability policies are available in all 50 states through our non-admitted surplus lines company, Mt. Hawley Insurance Company, and available through wholesale brokers located throughout the United States.

Contractor Risks Appetite

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 — 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