RLI Specialty Property Insurance Helps Companies Safeguard Their Assets
Our niche coverage offerings are designed for general and artisan contractors.
Eligible lines of coverage
- GL/Prop/Auto/IM/Excess
Eligible states
- All states except for NY, CO & SC
Commercial General Contractors
Eligible
- Minimum $3M in annual revenue
- a. $5,000 Package premium
- Self-perform less than 50% of the work
- Actively manage job sites and job site safety
- Design – Bid – Build
- New (Ground up construction)
- An occasional custom home is acceptable
- TIB (tenant’s improvements and betterments) work
- Worksite safety program required
- Proper Risk Transfer
Ineligible
- Contractors with over water or overseas exposures
- Paper GCs – not actively managing job sites or job site safety
- Residential GCs (More than an occasional custom home or remodel)
- Street/Road, Water or Sewer, Structural steel, door/window, Framing, Siding, Roofing.
- Not having a worksite safety program or proper risk transfer
Artisan Contractors
Eligible
- Minimum $2M annual revenue
- a. $5,000 Package premium
- Electrical, Mechanical, Plumbing, Concrete , Landscape, Swimming Pool, Fence, Drywall, Flooring
- Worksite safety program for employees
Ineligible
Ineligibilities differ greatly bases on the type of artisan contractor. Some common issues are listed below. Contact us to ensure eligibility
- 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