Residential Contractors Insurance Program from Roundstone
Roundstone offers a General Liability program specifically for residential contractors, homebuilders, and artisan trades. Written through an admitted carrier, this program is tailored to the needs of small- to medium-sized contractors who focus on residential construction. Whether your client builds custom single-family homes, townhomes, or condominiums, this program provides liability protection designed to manage common construction risks.
Ideal Accounts and Appetite
This program is a strong fit for agents placing business for:
- Custom single-family homebuilders
- Townhome and condominium builders
- Residential artisan contractors (carpenters, electricians, plumbers, painters, and similar trades)
Target accounts are typically small to medium in annual revenue and number of units built. Limited commercial work may be acceptable when residential construction remains the primary focus. The program is not intended for general contractors with a heavy commercial mix, tract housing developers, or large-scale residential developments.
Coverage Highlights and Advantages
Key benefits of Roundstone’s Residential Contractors program include:
- Admitted General Liability coverage that helps ensure compliance with state insurance regulations
- Eligibility for artisan trades and specialty residential builders
- Flexibility to accept minor commercial exposure when residential work predominates
- Access to a captive provider with focused construction underwriting and claims understanding
The program addresses common exposures in residential construction such as third-party bodily injury, property damage, and operations-related liability arising from on-site work and completed operations.
Underwriting Notes and Minimum Premiums
Roundstone underwrites with a focus on residential exposure, safety practices, and subcontractor controls. Submissions should include standard underwriting details: years in business, description of operations and project types, payroll and revenue breakdowns, and prior loss history. Strong risk management documentation (safety programs, subcontractor agreements, licensing) improves placement prospects. There is no stated minimum premium in this material; pricing and minimums are determined during submission and underwriting.
Territories and Availability
This program is available in all 50 states and Washington, D.C., including major construction markets such as California, Texas, Florida, New York, and Illinois. Because coverage is written on an admitted basis, your clients receive the regulatory and financial protections associated with admitted paper in those jurisdictions.
Why Work With Roundstone
Roundstone specializes in construction programs and brings underwriting experience focused on residential risks. As a captive provider, they combine program-level discipline with construction expertise to deliver responsive service and clearer appetite guidance. Agents benefit from an admitted market option for residential contractors, a straightforward eligibility profile, and underwriting that values documented safety and subcontractor management.
To learn more or submit a risk, visit the Roundstone company profile or the Residential Contractors storefront on CompleteMarkets.
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 remain 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 established claims handling procedures.
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?
Visit the Roundstone company profile or the Residential Contractors storefront on CompleteMarkets to learn more and begin the submission process.
Need help placing an account? Connect with a market specialist.