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for Contractor Insurance

This instant on-line insurance price indicator program is geared for smaller artisan contractors and remodel contractors with 0 to 5 employees.

Another contractor insurance program from Preferred Contractors Insurance Company, Risk Retention Group, LLC.

View all acceptable contractors and subcontractors

What is a risk retention group?



    • Down Payments as low as $272
    • Lapse in Coverage Accepted
    • New Ventures Accepted
    • Rates Based on Payroll
    • Multi State Coverage
    • Occurrence Form
    • Risk Retention Group
    • Monthly Payment Plans
    • Same Day Policy Number

*per Underwriter approval

AM Best
B Rated (07/25/14)

PCIC Program on AM Best - The Insurance Information Source logo
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Compare All Preferred Contractors Insurance Company Risk Retention Group, LLC. Programs
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$1,000,000 Per Occurrence
$2,000,000 General Aggregate
$2,000,000 Products/Completed Ops Aggregate


  • $1,000 | $2,500 | $5,000 | $10,000
  • Standard Deductible is $1,000*
  • Discounts for Higher Deductibles

*Applies to property damage and bodily injury on a per claim basis.


  • Maximum 5 Field Employees
  • $150,000 Maximum Annual Payroll –Owner excluded
  • $500,000 Maximum Annual Gross Sales
  • 50% Maximum Subcontracting Cost
  • Incidental roofing allowed in conjunction with room  additions (subject to $25,000 sub limit)
    -(OK for General Contractors in conjunction with remodels and room additions)
  • No framing as a subcontractor
    – (OK for General Contractors in conjunction with remodels and room additions)
  • No foundations as a subcontractor
    – (OK for General Contractors in conjunction with remodels and room additions)
  • No general contractors performing new ground up construction



(Click Map to Enlarge)




Over 20 Subcontractor Classes Accepted

  • A/C and Refrigeration
  • Appliance and Accessories
  • Carpentry (Interior/Woodwork/Shop)
  • Concrete (Flat)
  • Debris Removal
  • Door & Window Installation
  • Drywall
  • Electrical
  • Fencing
  • Floor Covering Installation
  • General Contractors (Remodel Only)
  • Garage Door Installation
  • Glass Installation/Glazing
  • Handyman
  • HVAC
  • Janitorial
  • Landscape
  • Masonry
  • Painting Interior/Exterior
  • Remodel Carpentry
  • Sheet Metal
  • Siding and Decking
  • Swimming Pool Cleaning
  • Tile and Marble Installation


Our user-friendly online system allows you to quote and apply all in one place. Your application and policy offer will be emailed to you using Adobe EchoSign.

EchoSign is the easiest online signing experience in the industry – so you’ll get your policy bound quickly. You’ll receive an email with a link to your policy offer which is loaded into a web browser, so no downloads or software installations are needed! Then, review and e-sign instantly online or offline with a mouse, stylus or by typing your name. If you’d prefer, we can still use the good’ol fashioned print and fax!

PCIC Program Quote & Bind Online


Get updates for Preferred Contractor Insurance Company Risk Retention Group, LLC. by subscribing to LiveRate® for Contractor.



Preferred Contractors Rating Outlook to Stable (B+)

OLDWICK, N.J. – JULY 25, 2013 A.M. Best Co. has revised the outlook to stable from negative and affirmed the financial strength rating of B+ (Good) and issuer credit rating of “bbb-” of Preferred Contractors Insurance Company Risk Retention Group, LLC (PCIC) (Billings, MT).The ratings reflect PCIC’s adequate level of risk-adjusted capitalization and recent improvements in operating performance. The ratings also reflect management’s substantial expertise in marketing the type of business PCIC writes.Partially offsetting these positive rating factors are PCIC’s volatile operating results during the first five years of operation, high expense ratio and limited business profile. An additional offsetting rating factor is the execution risk associated with the implementation of PCIC’s business plan. Compare price estimates for your contractors insurance premium rate instantly – online. Further rating factors are the company’s fundamental business strategies, which include providing stable pricing for insurance coverage coupled with quality service for its members. Reflecting its limited business profile, PCIC as an insurer is exclusively oriented toward one class of insureds. PCIC maintains a conservative operating strategy by limiting participation in its insurance program to members that meet stringent underwriting standards. PCIC provides general liability coverage to general contractors and subcontractors in the residential and commercial construction industry. The stable outlook recognizes two consecutive years of PCIC’s improved underwriting results; thus, reducing A.M. Best’s concerns surrounding its historical volatile performance. More Preferred Contractors rating... read more