Builders Risk and General Liability

Program Coverage

ISG is a proven leader for insurance solutions serving the construction industry, with a specific focus on general liability and builders risk products which are supported by industry-leading coverage, risk management protection and construction quality assurance. ISG’s general liability & builders risk products are tailored for new, residential construction risks including single-family homes, townhomes, and condominium construction.

Residential Lines of Business/Risk Appetite

General Liability Annual, renewable Practice Policies

Targets GC’s and homebuilders working new, residential construction
Can accommodate limited remodel & commercial construction operations
Unable to write trade contractors and pure home remodeling operations
Admitted in AL, AZ, FL, GA, OR, UT, and WA.
Non-Admitted paper available in all other states, excluding AK, NY and HI
Policy Form: ISO & Company Specific with limited exceptions
Policy Limits: Up to $15M total available including underlying
Defense Treatment: Admitted is Outside / Non-Admitted Inside or Outside depending on risk characteristics & location
Subsidence Coverage for homes built during policy period
No tract home exclusion
No Faulty Work Exclusion or CG 2294
Non-admitted practice policies can include extended products-completed operations through the applicable state statute.

General Liability Project-Specific & Wrap Policies

Terms up to 36 months and including Extended Products-Completed Operations Coverage
Policy Form: ISO & Company Specific
Policy Limits: Up to $15M total available
Retentions up to $1M
Pay-As-You-Sell Options available
No limitation on tract home builders
Cannot write in New York, Alaska or Hawaii
Appetite includes new construction of:
- Single-Family Homes
- Fee-Simple
- Townhomes/Multi-family
- Condominiums
- Mixed-Use (Commercial on 1st floor and Residential above)
- Single-Family “For-Rent”
- Up to 8-stories and $35M in cost per building
- Limited Remodel / Renovation Exposure Acceptable

Builders Risk

New Single-Family, Multi-Family & Commercial Structures
Available on a nationwide basis, excluding: AK, HI, and NY (5 boroughs)
Remodel / Renovation coverage available for non-structural work
Single-Shot policy limits up to $10M per structure / per occurrence
Reporting & Blanket policy limits up to $3M per structure / $20M Per Occurrence
Flood & Earthquake/Sinkhole available in most areas
Coastal Florida Wind Coverage Available up to $3M per structure.
Multiple Products:
- Standard Blanket
- New Starts Reporting
- Single-Shot
- Modified Blanket – This is unique to ISG. Premium is charged only for the number of months it takes to build and sell each structure.

Claims Handling

Dedicated partnership and pro-active communication with Network Adjusters for over 18 years providing high quality claims management and customized claims solutions committed to the construction industry.

Additional Coverages

Townhomes, single family homes, duplexes, multi-family, condominiums
New construction townhome builders
Residential multifamily general contractors
New construction insurance
Residential builders risk construction insurance for homeowners
Residential construction insurance for general contractors
General Liability for residential general contractors building NEW
New construction insurance and job safety
Contractors and Construction
Nationwide residential general liability policies
Wrap up policies
Project specific policies
Supported excess limits
Tract family homes
Mixed use
Fee-simple multi family
Comprehensive risk management solutions
Broad insurance based general liability policy
Single shot policies
Blanket builders risk reporting policies
Nationwide builders risk policies
Non structural renos including existing

Contact:

Stephen Harrell,SVP
[email protected]
(770) 380-5861

Ellen Goldstein, Director of Marketing & Sales
[email protected]
(770) 401-1077

U.S. States Available

U.S. States Available:

Provider Type:

Managing General Underwriter

Admitted:

All Available States

Carriers:

Carrier Ratings:

-

Commission:

-

Min Premium:

-

Coverages:

Blanket Insurance Builders Risk Insurance Commercial Coverage Insurance Commercial Insurance General Liability Insurance Multi-Family Dwellings Insurance New Residential Construction Builders Risk Insurance Residential Building Renovation Insurance Residential Remodeling Builders Risk Insurance Wind Insurance

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Builders Risk and General Liability

U.S. States Available