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’s public-facing contractor package guidance now lives on RLI’s construction pages; cbic.com redirects to RLI’s General & Artisan Contractors page. CBIC is specifically identified as an RLI company underwriting some Contrac Pac admitted construction business, including QuickWrite for small to medium artisan and general contractors and package business for larger accounts. Target business is residential and light commercial contractors, with admitted availability on a retail basis and not available in New York or Colorado. QuickWrite is aimed at general contractors with annual gross receipts of $4M or less and artisan trade contractors up to $3M; Package is for general contractors over $4M or artisan contractors over $3M, submitted via traditional ACORD applications with full package capabilities. Package coverage highlights include property, general liability, auto, crime, inland marine, equipment breakdown, expanded property forms, blanket additional insured, excess, and cyber liability. Preferred general contractor characteristics include owner/operators actively involved in daily operations, direct supervision of subcontractors, acceptable residential and commercial new construction excluding condo/townhome/rowhouse/co-op work, tenant improvements, remodeling, limited tract/subdivision exposure, and new ventures with at least 3 years construction experience. Package guidance also states GCs should self-perform less than 50% of work. Preferred artisan trades include classes such as electrical, HVAC, plumbing, concrete, landscaping, swimming pool, fence, drywall, flooring and similar trades for package; QuickWrite notes 30+ classes including concrete, painting, electrical, HVAC, tile, janitorial and landscaping. Underwriting expects worksite safety programs, and package guidance specifically references proper risk transfer for artisan trades. Restricted/declined or outside appetite classes include construction consultants or construction management for a fee, developers, design-build firms, paper contractors, house flippers, architects/engineers/property managers or real estate agents, restoration/insurance mitigation work, over-water or overseas exposures, street/road, water or sewer, framing, siding, roofing, high-voltage work over 480 volts, fire sprinkler systems, LPG system installation/service/repair, nuclear power plant work, and more than incidental underground utility work; QuickWrite also lists carpet/upholstery cleaning, door/window installation or repair, environmental cleanup, excavation/grading, pressure washing, and swimming pool installation/servicing as ineligible. Submission/process notes: larger Package accounts are submitted with traditional ACORD applications; QuickWrite offers minimal-entry quote indications, instant approval for qualified accounts, electronic policy delivery, COI generation, additional insured requests, direct bill/payment plans, and agency download support. Producer/broker notes: RLI says agents/brokers should be established and have a qualified book of business to seek appointment; CBIC appointed-agent portal registration requires agency code, active bond or policy number, and last four digits of agency tax ID for validation, with CBIC support contact provided on the registration page.