Ideal Accounts and Project Types
This program is ideal for a wide range of construction-related risks, including:
- New Construction – Residential or commercial ground-up builds
- Remodeler’s Risks – Projects involving renovations, structural changes, or additions
- Betterments Only – For condo owners or tenants making interior improvements or upgrades
You might have a client renovating a retail storefront or a small developer constructing a multi-unit residential property—both are great fits for this program.
Coverage Highlights and Advantages
- Competitive pricing and attractive commissions
- Low minimum premiums
- No volume commitments required
- Admitted in most states, backed by A.M. Best A-rated carriers
- Dedicated Builder’s Risk underwriting team with deep expertise
- Simple online quoting and instant policy issuance
- Fast, cost-effective handling of smaller accounts
- Responsive, professional claims service
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on project size and location, but the program is designed to be accessible for both small and mid-sized risks. The application process is streamlined, requiring only minimal data entry to receive a quote and issue a policy.
Territories and Availability
Distinguished Programs offers Builder’s Risk Insurance in most states, including but not limited to CA, FL, TX, NY, IL, and GA. Coverage is available on an admitted basis in many territories, delivering added confidence and compliance for your clients. See the full list of eligible states on the program profile page.
Why Work With Distinguished Programs?
As a leading program administrator with decades of experience in specialty property and casualty programs, Distinguished Programs brings unmatched expertise to Builder’s Risk coverage. Their dedicated team, efficient quoting tools, and strong carrier relationships help independent agents and brokers like you place quality business with confidence and ease—without production commitments or red tape.
Frequently Asked Questions
What types of accounts are a good fit for this Builder’s Risk program?
This program is ideal for new construction projects, remodeling jobs, and betterments-only risks such as condo unit renovations.
Is the program available for both residential and commercial projects?
Yes, the program covers both residential and commercial properties under construction or renovation.
How quickly can I get a quote and issue a policy?
The online platform allows for fast quoting and policy issuance, often with just two screens of data entry.
Are there any volume requirements for agents?
No, there are no volume commitments required to access this program.
In which states is this program available?
The program is available in most states across the U.S., including CA, TX, NY, FL, and IL. Availability may vary by project type and carrier.
Need help placing an account? Connect with a market specialist.