Contrac Pac: Package

• Insured owners must be active in day-to-day operations, on jobsites daily and have direct supervision over subcontractors
• New construction work on residential and commercial projects is acceptable, excluding condo, townhome, rowhouse and co-op projects of any size
• Tenant's improvements and betterments work
• No more than five new residential projects per policy period in a tract, subdivision or development
• Residential or commercial property remodeling
• New ventures are eligible with a minimum of three years construction experience
• Self perform less than 50% of work

• Construction consultants/construction management for a fee
• Developers or design build firms
• Paper contractors; not actively managing job sites and labor
• House flippers
• Architects, engineers or real estate agents
• Restoration or insurance mitigation
• Contractors with over water or over seas exposures
• Street/road, water or sewer, structural steel, door/window, framing, siding, roofing

• Electrical, HVAC, plumbing, concrete, landscaping, swimming pool, fence, drywall, flooring and others
• Worksite safety program for employees
• Proper risk transfer
• No more than 15 new residential projects per policy period in a tract, subdivision or development
• New ventures eligible with a minimum of three years of construction experience (Plumbers require 3 years in business.)

Ineligible classes may vary based on the type of artisan contractor. Please contact an RLI underwriter for specifics. In general, the following are outside of our appetite:

• Street/road
• Water and sewer
• Framing, siding and roofing
• High voltage work (Over 480 volts)
• Fire sprinkler systems
• LPG system installation, service or repair
• Nuclear power plant work
• Underground utility work if more than incidental (10% of payroll)
• Not having a worksite safety program for employees