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
Carrier identity & paper - CBIC (Contractors Bonding and Insurance Company), commonly branded CBIC or Contractor’s Bonding & Insurance Company, is a specialty P&C and surety carrier and an RLI Insurance subsidiary writing on admitted paper in all 50 states and DC. ([s204.q4cdn.com](https://s204.q4cdn.com/949661285/files/doc_financials/2016/q1/10Q-1Q16.pdf?utm_source=openai)) - Historically and currently positioned as a niche contractor/surety market with related small commercial package business. Target & preferred business - Core appetite is small-to-medium contractors and construction-related accounts. CBIC’s Contrac Pac program (via BTIS and other distributors) targets artisan and general contractors specializing in residential and light commercial work. ([mystaging.btisinc.com](https://mystaging.btisinc.com/Products/General-Liability/CBIC-Admitted-General-Liability?utm_source=openai)) - Preferred contractor profile (GL / package orientation, but indicative of overall risk appetite): - General contractors active in day‑to‑day operations and on job sites daily. - GC annual receipts generally ≤ $3M; trade contractors ≤ $2M. - New ventures acceptable when principals have ~3+ years’ construction experience. - Residential new construction allowed for single‑family and light commercial; higher comfort with non‑tract, non‑mass production operations. - Contractors doing 5 or fewer new residential homes annually per tract/subdivision are generally acceptable. ([mystaging.btisinc.com](https://mystaging.btisinc.com/Products/General-Liability/CBIC-Admitted-General-Liability?utm_source=openai)) - Broader P&C appetite includes small to mid-sized commercial accounts needing package solutions (GL + property + inland marine, commercial auto and umbrella) with a focus on trades, construction-related businesses, and similar niche classes. ([insurance.wa.gov](https://www.insurance.wa.gov/sites/default/files/documents/12-14-0228-report-examination.pdf?utm_source=openai)) Current product scope - CBIC writes multiple commercial lines: surety bonds (license, miscellaneous, contract, court); general liability; property; inland marine; commercial auto; commercial multiple peril / package; and umbrella. These package offerings are often oriented to small and mid‑sized businesses, especially artisan/general contractors. ([insurance.wa.gov](https://www.insurance.wa.gov/sites/default/files/documents/12-14-0228-report-examination.pdf?utm_source=openai)) - Commercial property is typically offered as part of a commercial package rather than pure monoline focus; appetite is strongest where the liability exposure is contractor‑centric or small commercial in CBIC’s niches. Restricted / declined classes (inferred from appetite positioning) - Large construction firms, high‑hazard or heavy industrial contractors, and contractors with very high receipts or extensive tract work fall outside the published Contrac Pac parameters. - Residential condo, townhome and co‑op projects are specifically excluded from new construction under the Contrac Pac contractor program; by extension, risks heavily engaged in these project types are restricted or declined. ([mystaging.btisinc.com](https://mystaging.btisinc.com/Products/General-Liability/CBIC-Admitted-General-Liability?utm_source=openai)) - Geographies or projects with atypical or catastrophic exposures (e.g., large frame habitational schedules, heavy structural or high‑rise construction) are generally not in the described target profile and likely require alternative markets or special underwriting referral. Geographic notes - CBIC is authorized on an admitted basis in all 50 states and DC, but production is concentrated in the western states (Washington, Oregon, Arizona, California, Montana) where a majority of written premium is generated. ([insurance.wa.gov](https://www.insurance.wa.gov/sites/default/files/documents/12-14-0228-report-examination.pdf?utm_source=openai)) - The BTIS‑administered CBIC contractor GL program is currently unavailable in Alaska, Colorado, and New York, and may be restricted in certain counties (e.g., Clark County NV) for that distribution channel. This is distribution‑program specific, not necessarily a complete bar to all CBIC business in those states. ([mystaging.btisinc.com](https://mystaging.btisinc.com/Products/General-Liability/CBIC-Admitted-General-Liability?utm_source=openai)) Submission & underwriting expectations (operational) - Small commercial and contractor business is typically written via appointed producers or program administrators (e.g., BTIS, other wholesalers). Expect: - Complete ACORD applications plus program‑specific contractor supplements where applicable. - Verified annual receipts, payroll, and subcontractor costs consistent with target ranges. - Evidence that GCs are actively supervising work on‑site (not pass‑through or paper GCs only). - For new ventures, documentation of principal’s construction experience (ideally ≥3 years) as required by contractor programs. - For package business, schedules of locations, building construction details, protection class, and any equipment/inland marine schedules. - As an RLI subsidiary, CBIC follows RLI’s specialty‑admitted discipline; unusual or non‑core classes generally require individual underwriter review. Broker / producer notes - CBIC is widely accessed via regional independent agents and select MGAs/program managers rather than direct submissions; producers should follow their wholesaler or program administrator’s specific rating and submission workflows. - MyCBIC.com exists primarily as an insured portal for billing and payments (not a producer quoting portal). Policyholders can make payments or register accounts here; producer operational impact is mainly around billing service instructions to insureds. ([mycbic.com](https://www.mycbic.com/?utm_source=openai)) - Claims for property & casualty policies are handled under CBIC / RLI claims centers, with 800‑866‑2242 listed as a common claims contact number in broker carrier lists; producers should direct insureds to CBIC/RLI claims intake and follow any program‑specific FNOL instructions. ([nfp.com](https://www.nfp.com/media/5r1jl3v0/23-pc-br-gen-130949-claimsdeptcarriercontact-commcarrierv8.pdf?utm_source=openai)) Practical guidance for placements - Use CBIC primarily for: - Small‑to‑mid sized artisan and general contractors needing GL and package solutions (plus inland marine and umbrella as needed). - Contractor‑centric small commercial packages with moderate property values, standard protection, and no high‑rise or large tract habitational exposure. - Accounts benefitting from a surety‑plus‑package relationship (license/permit bonds plus contractor package). - Avoid or seek alternative markets for: - Large or complex construction risks exceeding the published revenue or project‑type tolerances. - New residential condo/townhome/co‑op developments or major tract/subdivision homebuilders exceeding the “≤5 homes per tract” guideline. - Always confirm program‑level territorial and class restrictions (e.g., AK/CO/NY and county‑specific limitations) with your MGA or CBIC underwriter before marketing coverage.