Residential Contractors Insurance Program from Roundstone
Roundstone offers a General Liability program tailored specifically for residential contractors, homebuilders, and artisan trades. This program is written through an admitted carrier and is designed to meet the needs of small to medium-sized contractors who specialize in residential construction. Whether your client builds custom single-family homes, townhomes, or condominiums, this program can help provide the protection they need to manage their project risks effectively.
Ideal Accounts and Appetite
This program is a strong fit for agents looking to place business for:
- Custom single-family homebuilders
- Townhome and condominium builders
- Residential artisan contractors (e.g., carpenters, electricians, plumbers, painters)
Accounts should fall within the small to medium-sized range in terms of annual revenue and number of units built. Limited commercial work may be acceptable if residential remains the primary focus. This program is not intended for general contractors with a heavy mix of commercial activity or those involved in tract housing or large-scale developments.
Coverage Highlights and Advantages
The program provides General Liability coverage through an admitted carrier, giving your clients the assurance of regulatory compliance and financial security. Key benefits include:
- Coverage for residential construction exposures
- Eligibility for artisan trades and specialty builders
- Flexibility for accounts with minor commercial exposure
- Access to a captive provider with deep understanding of construction risks
For example, you might have a client who builds five to ten custom homes per year and occasionally remodels light commercial spaces—this program may provide the right liability protection for their operations.
Underwriting Notes and Minimum Premiums
Roundstone underwrites with a focus on residential exposures and seeks contractors who maintain strong safety practices and subcontractor controls. While there is no stated minimum premium, the program is best suited for accounts with consistent operations and well-documented risk management procedures. Submissions should include standard underwriting information such as years in business, project types, and prior loss history.
Territories and Availability
This program is available in all 50 states, plus Washington, D.C., including key construction markets such as California, Texas, Florida, New York, and Illinois. Because it is written on an admitted basis, your clients benefit from compliance with state insurance regulations across all jurisdictions.
Why Work With Roundstone
Roundstone brings specialized expertise and underwriting experience in the residential construction sector. As a captive provider, they offer a focused approach to program management and risk evaluation. Agents who work with Roundstone benefit from responsive service, a clear appetite, and access to admitted markets tailored to residential contractors.
To learn more or submit a risk, visit the Roundstone company profile or the Residential Contractors storefront.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for small to medium-sized residential contractors, including custom homebuilders and artisan trades such as plumbers, electricians, and painters.
Is commercial work allowed under this program?
Limited commercial work may be acceptable, but residential construction must be the primary focus of the account.
What kind of carrier backs this program?
The program is written through an admitted carrier, providing regulatory compliance and reliable claims handling.
In which states is this program available?
This program is available in all 50 states and Washington, D.C.
How do I submit a risk to Roundstone?
You can visit the Roundstone company profile or their Residential Contractors storefront on CompleteMarkets to learn more and begin the submission process.
Need help placing an account? Connect with a market specialist.