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Atlas General Insurance Services
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Atlas General Insurance Services
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Builders' Risk

Builders' Risk Insurance is essential coverage for construction-related projects, and Atlas General Insurance Services offers a robust program tailored to help agents protect their clients from the wide range of risks that can arise during the building process.

Comprehensive Builders' Risk Program From Atlas

Construction sites face constant exposure to threats like severe weather, fire, theft, and equipment breakdown. With Atlas General’s Builders' Risk program, you can offer your clients solid protection against these challenges—whether they’re building from the ground up or renovating existing structures. This program supports over 100 classes of business and includes coverage for moveable property, equipment, and contents used in construction. The policy is backed by A.M. Best “A” Rated carriers and is available on a non-admitted basis.

Ideal Accounts and Target Industries

Atlas’s Builders' Risk program is designed for a wide range of contractor and construction-related accounts, including:
  • General contractors and subcontractors
  • Residential and commercial builders
  • Developers and property owners during renovation or ground-up construction
A good fit might be a contractor who’s renovating a commercial space or a developer constructing a new residential complex. This program provides flexibility for both frame and superior construction types, with generous TIV limits.

Coverage Highlights and Included Protection

Atlas offers valuable coverage enhancements to ensure your clients are protected from multiple angles:
  • Builders' Risk – Frame & Joisted Masonry: Up to $5,000,000 TIV
  • Builders' Risk – Superior Construction: Up to $10,000,000 TIV
  • Contractors’ Equipment: Up to $5,000,000 TIV
  • Office/Shop Contents: Up to $100,000
  • Minimum premiums: Builders’ Risk ($1,000), Contractors’ Equipment ($750)
Additional built-in benefits include:
  • Fire department service charge: $5,000
  • Fire protection device recharge/refill: $25,000
  • Debris removal: 25% of covered loss
  • Expendable supplies (fuel, oil): Up to $1,000
  • Newly purchased property: Lesser of $250,000 or 25% of schedule value
  • Employees’ tools: $5,000 per loss, max $500 per employee
  • Waiver of depreciation for partial losses

Underwriting and Program Details

Atlas works with A-Rated (Superior) carriers to offer strong, flexible coverage solutions. While this program is non-admitted, it’s built to handle a broad array of construction risks. The underwriting team evaluates each risk carefully, and the program is designed to accommodate numerous construction types and project sizes. Minimum premiums:
  • Builders' Risk: $1,000
  • Contractors' Equipment: $750

Territory and Availability

This program is available in nearly all U.S. states, including CA, TX, FL, NY, WA, and many more. Atlas supports agents and brokers in 50 states plus Washington, DC, providing broad access to these coverages coast to coast.

Why Partner With Atlas General Insurance Services?

Atlas General Insurance Services is a trusted general agency with deep experience in construction-related insurance programs. Their Builders' Risk program reflects a commitment to offering agents competitive products backed by top-rated carriers and strong service. With specialized underwriting and broad coverage features, you'll be well-equipped to serve your construction clients efficiently and effectively.

Need help placing a Builders' Risk account? Reach out to Atlas today or visit their company profile to learn more.

Frequently Asked Questions

What types of accounts are a good fit for this Builders' Risk program?

This program is ideal for contractors, builders, and developers involved in residential or commercial construction, including renovations and ground-up projects.

What are the TIV limits for Builders' Risk coverage?

Frame and Joisted Masonry construction is eligible up to $5,000,000 TIV, while Superior Construction projects can be insured up to $10,000,000 TIV.

Is coverage available for contractors’ equipment?

Yes, the program includes coverage for contractors’ equipment, up to $5,000,000 TIV, with additional benefits such as debris removal and expendable supplies.

Which states is this program available in?

Atlas offers this program in nearly all U.S. states, including CA, TX, FL, NY, and many others. It is available in 50 states plus Washington, DC.

What carriers back this program?

This program is backed by A.M. Best A Rated (Superior) carriers, providing financial strength and reliability.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    General Agency
  • Admitted:
    0
  • Carriers:
  • Carrier Ratings:
    -
  • Commission:
    -
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

4365 Executive Dr, #400
San Diego, CA 92121
858-529-6700
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Atlas General Insurance Services has other insurance programs like Commercial Package.