CBIC (Contract Bonders Insurance Company)
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
CBIC is presented as an RLI company supporting the admitted Contrac Pac construction program for general and artisan contractors. Current published appetite centers on small to medium contractors specializing in residential and light commercial work. QuickWrite targets general contractors with annual gross receipts of $4 million or less and artisan trade contractors up to $3 million, with streamlined online quoting and possible instant approval for qualified accounts. Package is positioned for larger or more complex eligible contractors and is submitted on traditional ACORD applications. Preferred/eligible business includes owner-involved general contractors active in day-to-day operations and on jobsites, new residential and commercial construction, remodeling, tenant improvements/betterments, and a range of artisan trades such as electrical, HVAC, plumbing, concrete, landscaping, swimming pool, fencing, drywall and flooring; RLI also notes more than 30 eligible artisan classes. Residential new construction guidance published in the program flyer limits tract/subdivision concentration to five or fewer new residential projects per policy period for general contractors and 15 or fewer for trade contractors, and excludes condo, townhome, rowhouse and co-op new construction. New ventures can be considered with at least three years of construction experience; QuickWrite notes plumbers require three years in business. Restricted/declined business currently published includes house flippers; restoration/insurance mitigation or insurance-claim-related work; paper contractors not actively managing jobsites/safety/labor; construction consultants or construction management for a fee; developers/design-build firms; architects/engineers/property managers or real estate agents; over-water or overseas exposures; and several heavier classes for Package including street/road, water or sewer, structural steel, door/window, framing, siding and roofing. Geographic note: Contrac Pac construction products are admitted and distributed via retail and wholesale channels but are not available in New York or Colorado. Submission/producer notes: contractors cannot buy direct and should work through an agent or broker; QuickWrite uses an online agent portal with minimal-entry quick quote, instant approval for qualified accounts, electronic policy delivery/retrieval, forms library, agency downloads, and direct bill/payment plan options. RLI is actively seeking established agents/brokers with qualified books of business for construction products, and appointment requirements vary by product.