Builders Risk

We have multiple markets for Builders Risk & Ground Up Course of Construction.

  • Admitted and Non-Admitted

  • A.M. Best Rating: A- or higher

  • Carrier: Lloyd's of London, Zurich, Pennsylvania Manufacturers Association Insurance Company

  • Agency Bill

Target Classes

  • Residential (1-4 family dwelling), including home builders' reporting forms
  • Apartments, condominiums, group homes, and assisted living facilities
  • Commercial (offices, mercantile, and retail)
  • Hospitality (hotels and motels)
  • Institutional (schools, hospitals, municipal, and correctional facilities)

States Available

  • State availability varies on a risk by risk basis. Please submit your risk to Underwriting for further consideration.

Coverages Available

  • Fire
  • Theft
  • Vandalism
  • Wind, earthquake, and flood (subject to Underwriting review)
  • Installation floater
  • Installed equipment
  • Permanent fencing and foundations
  • Debris removal
  • Fire department services
  • Trees, shrubs, and plants
  • Pollution cleanup
  • Transit
  • Temporary storage


  • Up to $10,000,000 per risk (non-CAT) for project-specific risks – varies, based on construction type and occupancy class
  • Up to $1,000,000 per dwelling/$10,000,000 per occurrence for reporting forms

Requirements & Exclusion

$500 Minimum - varies, based on total insured value (TIV) and occupancy class

Large Builders Risk Appetite Overview

Target Risks: • Commercial and Residential Projects: - Commercial Habitational - Retail - Public Buildings - Hotels/Motels - High-Value Homes • Renovations • Reporting Forms • Coverage for the following: - Soft Costs/Delay in Start-Up - Permission to Occupy - Flood and Quake - Terrorism and Cyber Coverage Target TIV: $5M - $500M Specialty

  • Wind-exposed property in continental U.S.
  • Full limits, quota share, or primary layers
  • Large capacity for frame construction
Policy Terms - Account Limits
  • Up to $200M per risk, including Named Wind
  • Up to 36 months
Minimum Deductible
  • $5,000 AOP

Submit A Quote

Downloadable Documents

New Construction


Builders Renovation