NCIC
NCIC focuses exclusively on builders, contractors and sub-contractors. Organized and formed by a distinguished group of insurance professionals specifically for the purpose of pooling contractor general liability risks, NCIC provides general liability insurance to builders and contractors throughout the United States.
Program Guideline Highlights
- Start-Ups require 3 years of trade experience
- 10% Subscription Fee
- 5% Policy Fee
- Defense Costs outside of the Limits
- Full Occurrence Form with optional 2 year sunset clause
- Rating Based on Receipts
- Online Rater
Policy Limits
- Limits up to $1,000,000 / $2,000,000
- Deductible $1,000 - $ 7,500
- Min. Premium All Classes $ 1,500 - GCs and Roofers $ 3,000
- Minimum Earned 25%
Prohibited Work (highlights)
- Condo and Townhouses
- Demolition of Buildings (in excess of 3 story's)
- Exterminators/Fumigators
- Landscapers with spraying exposure
- Traffic Signal Installation or Repair
Eligible Risks
- Residential and
Commercial
General Contractors
- Sub-Contractors
- Specialty Contractors
- Remodelers
- Artisan Contractors
- Roofing Contractors
- Condominium
Conversions
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