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Builders Risk Insurance J.M. Wilson offers a flexible and comprehensive Builders Risk Insurance program tailored to meet the needs of your clients with residential or commercial construction projects. Whether you're working with ground-up construction, remodels, or renovations, our inland marine product delivers reliable protection during the course of construction. Coverage is available for both short-term and long-term projects. Ideal Accounts and Appetite This program is designed for a variety of construction exposures, including but not limited to: New residential home builds Homes undergoing renovation or remodeling Light commercial construction projects We write Builders Risk policies for structures including frame and brick veneer, joisted masonry, non-combustible, masonry non-combustible, and fire resistive construction types. If you have a client building a single-family home from the ground up or renovating a small commercial space, this program may be a great fit. Coverage Highlights and Advantages Policy terms available for 3, 6, or 12 months – fully earned Limits up to $1 million in liability Minimum deductible of $1,000 Replacement cost valuation Low minimum premiums Optional coverages include theft of building materials and extended builder's risk coverage All inspections are conducted by and at the expense of the company, helping streamline the underwriting process and reduce hassle for your insureds. Underwriting Notes and Minimum Premiums Our underwriting team is experienced in evaluating a wide variety of construction-related risks. Minimum premiums vary depending on the size, type, and location of the project. We work with both admitted and non-admitted markets, offering flexibility for harder-to-place risks or unique construction scenarios. Territories and Availability This program is available in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MN, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Admitted options are available in some markets, with access to a range of carriers to help find the best solution for your client's needs. Why Work With J.M. Wilson? As a Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson brings decades of experience and strong carrier relationships to help independent agents place construction-related risks with confidence. We represent a variety of carriers across both admitted and non-admitted markets, giving you the tools to serve standard and hard-to-place accounts alike. Our responsive service, underwriting expertise, and focus on agent success make us a trusted partner for Builders Risk Insurance placements. Frequently Asked Questions What types of accounts are a good fit for this Builders Risk program?Ideal accounts include new residential home construction, homes undergoing renovation, and small to mid-size commercial construction projects. Are both admitted and non-admitted carriers available?Yes, we work with multiple carriers and offer both admitted and non-admitted options depending on the state and risk characteristics. What is the minimum policy term offered?Policy terms are available for 3, 6, or 12 months, depending on the needs of the project. Is theft of building materials covered?Theft coverage is available as an optional endorsement and can be added to eligible policies upon request. Which states is this program available in?This program is available in AL, AR, GA, IL, IN, IA, KS, KY, MI, MN, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Need help placing an account? Connect with a market specialist.

Overview of the Vacant Dwelling Insurance Program from Jacobs & Associates Jacobs & Associates provides a targeted Vacant Dwelling Insurance program for residential and commercial buildings that are temporarily unoccupied. As an Excess & Surplus Lines broker, Jacobs & Associates places hard-to-place vacant properties through non-admitted carriers, giving you access to flexible short-term solutions when standard markets are not an option. Ideal Accounts and Appetite This program is designed for agents and brokers who need short-term protection for vacant properties. Typical fits include: Vacant single-family homes, duplexes, and multi-family units with or without renovations Vacant commercial buildings (retail, office, light industrial) undergoing renovation or between tenants Builders risk for residential or commercial projects during short construction or renovation periods Accounts that generally do not fit include properties requiring flood or earthquake-only coverage enhancements, accounts with significant prior losses that remain open, or operations with ongoing occupancy and regular business activities. Coverage Highlights and Advantages Jacobs & Associates uses ISO forms to provide clear, standardized coverage. Key policy elements include: Building & Personal Property – CP 00 10 Builders Risk – CP 00 20 Condo Unit Owners – CP 00 18 Basic Causes of Loss – ISO CP 10 10 Premises Liability – ISO CG 00 01 Important underwriting limitations: this program excludes coverage for theft and water damage. Use it when you need property and liability protection for short vacancy periods but can accept those exclusions. Policy Terms, Deductibles, and Minimums Available term options: 3-, 6-, or 12-month policies. Quarterly installment plans are available on 12-month policies. Standard deductibles: Property (no renovations): $250 per occurrence Property (with renovations): $500 per occurrence Liability: $250 per occurrence Minimum retained premiums vary by term: annual, six-month, and three-month policies all include minimum retained amounts (see your underwriter for specifics and applied minimums on each placement). Territories and Non-Admitted Positioning This Vacant Dwelling Insurance program is currently available to agents placing risks in Ohio (OH). Jacobs & Associates operates as an Excess & Surplus Lines broker, placing business in the non-admitted market when standard admitted options are unavailable or unsuitable. Underwriting Notes and Submission Tips Provide a clear vacancy timeline and details of any renovation work—underwriting differentiates between passive vacancy and active construction. Include prior loss history for the property and any active or recent claims related to water, theft, or vandalism. Photos of the property (interior and exterior), contractor details for renovations, and a schedule of values for builders risk submissions help speed approval. Expect stricter underwriting when properties are vacant for extended periods or located in higher-risk areas. Why Work With Jacobs & Associates Jacobs & Associates specializes in placing challenging vacant property risks through a range of non-admitted carriers. Their strengths for agents include: Access to multiple E&S markets for hard-to-place vacant dwellings and builders risk Clear use of ISO forms so coverage scope is predictable and consistent Flexible short-term policy terms and payment options to match transaction timelines Underwriting that accommodates properties with controlled renovation activity Example Scenarios You might have a client who owns a vacant duplex while waiting for a sale and needs short-term property and liability protection without committing to a long-term policy. Or, a commercial investor renovating a small retail strip center requires builders risk and premises liability coverage between tenants—this program can provide a temporary solution while renovations are completed. Learn more about Jacobs & Associates on their CompleteMarkets profile. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include vacant residential homes and duplexes, commercial buildings between tenants or under renovation, and short-term builders risk for both residential and commercial projects. Is this program available outside of Ohio?No. This Vacant Dwelling Insurance program is currently offered only for risks placed in Ohio. Are theft and water damage covered under this policy?No. The program excludes coverage for theft and water damage, so consider additional or alternative coverage if those perils are a concern. Can I get coverage for a property undergoing renovations?Yes. Both residential and commercial properties with active renovations are eligible, but underwriting will require details about the scope of work and contractor controls. What are the available policy terms?Policies may be written for 3, 6, or 12 months. Quarterly payment plans are available on 12-month policies. Need help placing an account? Connect with a market specialist.