Builders Risk Insurance

Builders Risk Insurance Program from Superior Access

Superior Access Insurance Services, Inc. offers a flexible, comprehensive Builders Risk Insurance program designed for agents and brokers placing construction risks. As a national wholesale broker with access to multiple A-rated carriers, Superior Access provides a range of competitive coverage options and responsive underwriting for both straightforward and complex projects.

This program helps you place Builders Risk for residential and commercial construction — including ground-up builds, remodels, tenant improvements, and installations. The submission process is streamlined to help you secure timely quotes and place coverage efficiently for your clients.

Ideal Accounts and Appetite

The program fits a wide variety of construction accounts, including:

• Residential and commercial new construction projects
• Remodeling, renovation, and tenant-improvement jobs
• General contractors, subcontractors, builders, and property developers
• Projects with both installed and uninstalled materials on-site
• Accounts that require protection for materials in transit or stored temporarily offsite

Example scenarios: you might have a client building a custom home that needs theft and transit protection, or a small commercial tenant-improvement project that requires coverage for materials and soft costs during construction. Both are good fits for this program.

Coverage Highlights and Advantages

Policies are broad and customizable to protect against common construction exposures:

• Theft protection for materials from the time they arrive at the job site
• Coverage for materials in transit and at temporary offsite storage
• Protection for installed and uninstalled materials on the job site
• Ordinance or law coverage to address increased costs from building code requirements

These features help reduce the financial impact of delays, material loss, or code-related rebuilding costs during construction.

Underwriting Notes and Minimum Premiums

Underwriting and minimum premiums vary by project type, location, and total values. Superior Access works with multiple carrier partners to offer flexible pricing and underwriting approaches — from admitted filings where available to non-admitted capacity when needed. Provide complete project details (construction type, BCAR/valuation, protection measures, storage plans, and project schedule) to help underwriters deliver accurate terms quickly.

Territories and Availability

This Builders Risk program is available in most states, including CA, TX, FL, NY, IL, GA, and PA. Coverage may be offered on an admitted basis in many states depending on the carrier and project specifics. For a complete list of states and market availability, submit the account details through your usual Superior Access channel.

Why Work With Superior Access?

Superior Access is a leading wholesale broker with deep construction and property-market relationships. Agents benefit from broad carrier access, experienced underwriters, and a national footprint that makes it easier to place Builders Risk business across a range of project types. Our team prioritizes timely review and practical solutions to help you close more accounts.

Frequently Asked Questions

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