Builders Risk Insurance Program from Wise Insure
Wise Insure offers a competitively priced Builders Risk Insurance program designed for agents seeking flexible, fast, and affordable solutions for their construction clients. With access to a diverse portfolio of specialized carriers, Wise Insure helps retail agents place both standard and hard-to-place accounts, offering rates that are often 25–50% lower than those of traditional agencies.
Whether you're working with residential builders, remodelers, or commercial general contractors, Wise Insure provides tailored coverage options that avoid unnecessary costs while meeting project-specific needs. Many agents experience same-day or next-day quotes for typical accounts, and Wise Insure maintains an impressive 80% closing ratio—demonstrating both strong appetite and underwriting efficiency.
Ideal Accounts and Appetite
This program is a strong fit for:
- Residential builders and remodelers
- Commercial general contractors (GCs)
- New construction or renovation projects
- Short-term or long-term project timelines
Difficult-to-place risks are welcome, especially when additional underwriting information is provided. If you have a client with a complex renovation or an unusual project structure, Wise Insure is equipped to evaluate those submissions with care.
Coverage Highlights and Advantages
- Builders Risk Insurance tailored to project size and scope
- Options to avoid paying for unused or unnecessary coverage
- Coverage that fits “like a glove”—not generic or overly broad
- Competitive pricing—often 25–50% below market rates
- Same-day or next-day quotes for standard accounts
In addition to Builders Risk, Wise Insure also offers a full suite of contractor insurance solutions, including General Liability and other key lines—making it a one-stop solution for many construction-focused agents.
Underwriting Notes and Minimum Premiums
Minimum premiums vary by product and market, but Wise Insure works with agents to find the most affordable, appropriate option for each account. More complex or hard-to-place risks may require additional underwriting time and documentation, typically adding just one extra business day to the quoting process.
Territories and Availability
Wise Insure’s Builders Risk Insurance program is available in the following states:
AL, AZ, CA, CO, GA, ID, IL, IN, IA, MO, NV, NJ, NC, OH, OK, OR, SC, TX, UT, VA, WA, WI
Some markets are admitted, depending on the state and carrier. Wise Insure can help navigate market availability and ensure compliance with local requirements.
Why Work With Wise Insure?
Wise Insure is a wholesale broker with deep expertise in contractor insurance. By partnering with a broad set of specialized carriers, they bring agents coverage options that are both cost-effective and project-specific. Their team understands the time pressures agents face and works quickly to deliver quotes—often within 24 hours for straightforward submissions.
If you're an agent tired of losing builder clients to higher-priced policies or struggling to place unusual risks, Wise Insure is positioned to help. With a growing network of retail agency partners across the country, Wise Insure continues to be a trusted resource for construction insurance solutions.
Learn more about Wise Insure’s capabilities by visiting their company profile or explore additional details about the program on their Builders Risk Insurance storefront.
https://nwcalliance.com/home/wise-insure/https-wiseinsure-net-buildersrisk/
Frequently Asked Questions
What types of accounts are a good fit for this Builders Risk program?
This program is ideal for residential builders, remodelers, and commercial general contractors working on new construction or renovation projects across a wide range of sizes and scopes.
How quickly can I get a quote?
Standard accounts often receive same-day or next-day quotes. Complex risks may require additional underwriting time, typically one extra business day.
In which states is the program available?
The program is available in AL, AZ, CA, CO, GA, ID, IL, IN, IA, MO, NV, NJ, NC, OH, OK, OR, SC, TX, UT, VA, WA, and WI.
Are both admitted and non-admitted markets available?
Yes. Some markets are admitted depending on the project location and carrier availability. Wise Insure can help agents navigate these options.
What makes Wise Insure different from other wholesalers?
Wise Insure offers access to specialized carriers, highly competitive pricing, and fast turnaround times. Their team has deep expertise in contractor insurance and supports agents with both standard and hard-to-place risks.
Need help placing an account? Connect with a market specialist.