Contractor Programs

Old Republic Contractors Insurance Group (ORCIG) is an unparalleled partner for top U.S. contractors. Our success lies in working with contractors who want to increase their bottom line by controlling work-related injuries and third-party damages.

Workers’ Compensation and Employer’s Liability

Workers’ Compensation coverage is our primary line of business. It is the only line we write on a stand-alone basis.

  • Flexible Pricing Tools
  • Statutory Limits Provided

Commercial General Liability

We may write General Liability in conjunction with a Workers’ Compensation program.

  • Limits up to $2Mil / $4Mil / $4Mil
  • Customized Coverages
  • Broad Coverage Terms

Additionally, we have the capability to write the following types of liability coverage:

  • Owners and Contractors Protective (OCP) Liability
  • Railroad Protective Liability

Commercial Automobile

We write Commercial Auto insurance in conjunction with Workers’ Compensation and/or General Liability coverages.

  • Limits up to $2 Mil

Program Designs

In addition, we offer the following programs on the above three lines of business:

  • Guaranteed Cost Plans
  • Retrospective Rating Plans
  • Large Deductible Plans

Property and Inland Marine

Property and Inland Marine coverage is available to protect the following:

  • Real / Personal Property
  • Business Income
  • Equipment Breakdown
  • Contractors Equipment
  • Installation Floater
  • Crime

Targeted Classes of Business

Our average account size exceeds $650,000. Targeted classes of business include, but are not limited to, the following:

  • Carpentry and Drywall
  • Concrete
  • Electrical
  • General Contractors (non-residential)
  • Grading / Excavation
  • Heavy / Highway
  • HVAC / Plumbing
  • Masonry
  • Mechanical
  • Specialty Trade Contractors
  • Steel Fabrication
  • Street & Road
  • Structural Steel
  • Tile and Marble
  • Utility – including Pipeline
  • Water / Sewer

Non-Eligible Classes

Every submission is given thorough consideration. However, there are a few classes of business that do not meet our underwriting appetite:

  • Asbestos Installation / Remediation
  • Engineers / Architects Not Engaged in Construction
  • Exterminator / Fumigation
  • Mold Remediation
  • Oil / Gas Wells / Rig / Derrick
  • Refuse Collections
  • Stevedoring, Wrecking, Marine, Diving Contractors

Learn more about our services and how we can help you.

Contact Us