Commercial Casualty

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.

Insurance Type
Non-admitted
Distribution
Wholesale
Availability
Available in 50 U.S. states.
four construction hats in a row

Not an agent or broker? 

If you're a contractor interested in contractor's liability insurance, ask your agent or broker for a quote from RLI.

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.

Contractors on jobsite
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
Contractors at job site

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
Highway along mountain cliffside
Get Appointed

Ready to partner with RLI?

If you're an agent or broker with a qualified book of business or a customer with a specialized insurance need, we'd love to partner with you.

Related Products

Sort by category