https://completemarkets.com/company/veracityinsurance/Home-Builders-Liability-Insurance/
Overview of the Program from Veracity Insurance Solutions, LLC
Veracity Insurance Solutions' Home Builders Liability Insurance program is a focused market for agents placing residential construction risks. The program is built for general contractors and residential builders who need a package of liability and related coverages tailored for home construction and renovation work. As a Managing General Agency and Excess & Surplus Lines broker with access to multiple carriers, Veracity combines specialized underwriting with broader market options to place accounts that can be difficult to place in standard markets.
Ideal Accounts and Appetite
Primary focus: general contractors and builders whose main operations are new home construction and residential renovations.
Target account size: small to mid-sized builders and remodelers—owner-operated contractors to firms with several crews.
Preferred operations: single-family and multi-family residential construction, residential additions, kitchen/bath remodels, and limited specialty trades when part of a builder’s controlled operation.
Typical risks accepted: accounts with documented safety programs, properly licensed operations where applicable, and reasonable subcontractor controls.
What often does not fit: large commercial construction, heavy civil work, speculative developments without contractor oversight, or accounts with repeated serious losses—these may need a different market.
Coverage Highlights and Advantages
The Home Builders Liability program offers a suite of coverages commonly required by residential contractors and their clients:
General Liability tailored for construction exposures
Professional Liability (design/build exposures and defective workmanship allegations)
Pollution Liability for typical construction-related pollution exposures
Business Owners Policies (BOP) for smaller builders
Property and Inland Marine for tools, equipment, and materials in transit
Errors & Omissions and Directors & Officers where appropriate
Because Veracity works with multiple carriers, agents can often secure combinations of admitted and non-admitted placements depending on the client’s risk profile and state requirements. The program is designed to be flexible so agents can assemble the coverages a builder needs without piecing policies from unrelated markets.
Underwriting Notes and Minimum Premiums
Underwriting focuses on operations, project types, payroll and subcontractor use, prior loss history, and risk management practices. Minimum premium requirements vary by carrier and state; the program lists "varies" for minimum premium, so expect differences by market. When submitting, include loss runs, a description of typical projects, current certificates of insurance, and details on subcontractor hiring and oversight to expedite evaluation.
Territories and Availability
This program is available in the following states: AR, GA, ID, KS, KY, MD, MO, MT, NE, NM, NC, ND, OR, SC, SD, TN, UT, VA, WY. If you have a client outside these states, Veracity has other contractor programs that may be available nationwide—ask about alternate markets and solutions.
Why Work with Veracity Insurance Solutions, LLC on Home Builders Business
MGA and E&S broker capabilities provide access to multiple admitted and surplus markets.
Specialized focus on residential contractors means underwriting and coverage options that align with builder exposures.
Ability to package liability, professional, pollution, property, and ancillary coverages for a single, coordinated placement.
Suitable for agents who need markets that will consider harder-to-place residential construction risks.
Example Account Scenarios
You might have a small homebuilder who constructs 8–12 single-family homes per year and needs GL, inland marine for equipment, and pollution liability—this program can combine those coverages through appropriate carriers.
Or you might be placing a residential remodel contractor who performs kitchen and bath remodels and needs General Liability plus Professional Liability for design/build work; Veracity can evaluate that account across its panel.
Frequently Asked Questions
What types of accounts are a good fit for this Home Builders Liability program?The program is aimed at residential contractors: new home builders, remodelers, and general contractors whose primary work is on single-family and multi-family homes. Small to mid-sized builders with controlled subcontractor practices and documented safety programs are ideal.
What information should I include when submitting a prospect?Provide a description of operations, gross receipts or projected sales, payroll by class, loss runs (typically 3–5 years), details on subcontractor controls and licensing, and any current policies or certificates. The more complete the submission, the quicker underwriting can evaluate appropriate markets.
Are policies written admitted or non-admitted?Veracity places business through multiple carriers and both admitted and non-admitted markets as appropriate. Availability depends on state rules and the specific risk—underwriters will recommend the best option for the account.
What are the minimum premiums for this program?Minimum premiums vary by carrier, state, and coverage package. The program’s minimum premium is noted as "varies." Underwriters will confirm minimums on a per-submission basis during the quoting process.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/btisinc/Remodeling-Contractor-General-Liability-Insurance/
BTIS – Builders & Tradesmens Insurance Services, Inc. offers a competitive Remodeling Contractor General Liability Insurance program designed for today’s residential remodeling professionals. Whether your insured is a solo operator or a general contractor with more than $1 million in gross receipts, BTIS provides flexible, admitted solutions to match a wide range of remodeling operations.
Ideal Accounts and Appetite
This program is built for contractors and remodelers who focus on residential work such as home additions, tenant improvements, and general remodeling. It’s a strong fit for:
Owner-only remodeling contractors
General contractors with substantial operations
Handymen expanding services into larger renovation projects
Contractors performing home extensions or adding square footage
On a case-by-case basis, BTIS may also consider risks involving secondary structure construction. Certain operations are allowed when performed as part of a remodel, including:
Incidental roofing work (when part of a broader remodel)
Interior framing performed by the primary contractor (framing subcontractors are not eligible)
Window installation during remodeling
Tenant improvements and betterments
For a full list of eligible classes, see the Victory Admitted Eligible Classes.
Coverage Highlights and Advantages
BTIS offers general liability protection tailored to exposures common on residential remodeling jobs. Coverage helps your contractor clients manage jobsite liability, third-party injury claims, and property damage exposures. Key advantages of the program include:
Admitted product with strong carrier backing (A.M. Best A XI rated)
Quick quoting and a streamlined binding process for faster placements
Competitive pricing with minimum premiums starting at $350
Strong appetite for both small and mid-size remodeling contractors
Underwriting Notes and Minimum Premiums
Minimum premium for eligible accounts starts at $350, making the program accessible for smaller remodelers and startups. Incidental roofing and interior framing are permitted when part of a remodel; however, standalone roofing operations and framing performed solely as a subcontractor are not eligible. Each submission is reviewed to verify proper classification, scope of operations, and risk fit.
Territories and Availability
This Remodeling Contractor General Liability Insurance program is available on an admitted basis in the following states:
AL, AR, AZ, CA, CO, CT, DE, GA, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY
Why Work With BTIS?
BTIS is a trusted general agency and admitted carrier with deep expertise in contractor lines. Agents benefit from fast service, competitive pricing, and responsive underwriting support. With access to A-rated markets and a focus on practical, placement-oriented underwriting, BTIS helps agents place a wide range of artisan and general contractor risks.
You might have a client who just launched a remodeling business and is taking on their first major home addition, or a well-established contractor expanding into nearby territories. In both cases, BTIS offers the flexibility and admitted coverage solutions to support growth while managing common remodeling exposures.
Frequently Asked Questions
What types of accounts are a good fit for this program?The program is ideal for residential remodeling contractors, including owner-only operations, general contractors, and handymen expanding into larger projects.
Are subcontractors allowed under this program?Subcontracting is permitted in some cases, but interior framing as a subcontracted operation is not eligible. Each account is reviewed individually for eligibility.
Is roofing work covered?Incidental roofing is allowed when it is part of a broader remodeling project, but standalone roofing risks are not eligible.
What is the minimum premium for this program?The minimum premium starts at $350, making it accessible for small and emerging contractor businesses.
In which states is this program available?The program is admitted and available in over 45 states, including CA, TX, FL, NY, and many others. See the full list above for complete availability.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/dworkin/chronic-illness/
Chronic Illness Insurance
Did you know that you could use your life insurance to meet chronic illness and other expenses? Changes in federal tax laws have made the prepayment of death benefits under a life insurance policy possible. Most new life insurance policies have a feature or rider, which provides access to a part of the death benefit, which can then be used as living benefits.
Chronic illness means inability to perform at least two activities of daily living (eating, bathing, continence, dressing, using the toilet, or transferring) or severe cognitive impairment that requires substantial supervision from another person to protect from threats to health and safety. A life insurance policy with one of these newly developed riders or a long term care rider can provide policyholders with benefit payments to help cover their care. With long term care riders and others that offer additional benefits, an insured suffering from a permanent chronic illness can gain access to his or her cash value plus a portion of the “net amount at risk” (difference between the death benefit and cash value).
The portion of the net amount at risk that can be advanced depends on the policy and the insured’s age at onset of the chronic illness. Generally an individual would need to wait for sometime before benefits can be obtained. However some states have laws that prohibit such waiting periods. The insured can use the benefits in any way they want, regardless of actual expenses incurred for treating the chronic illness.
Such policies may not work if you have limited financial means or if you are on Medicaid. Such policies build value making them an asset that could prevent clients from Medicaid eligibility.
Accelerated Death Benefit
If you should become seriously ill you may accumulate some very large medical expenses. Some life insurance companies have made it possible to collect an accelerated death benefit during your lifetime if such a condition should arise. What these companies are doing is allowing the insured to collect part of their death benefits before they die.
Some insurance companies offer the benefit as part of a policy, with the additional charge built into the death benefit cost. Others make the benefit a rider, also for an additional charge.
Accelerated payments made to the beneficiary can be made in monthly installments or in a lump sum, depending on the company. Upon the death of the recipient, or policy owner, the balance due goes to the beneficiary.
https://completemarkets.com/company/donrjensenco/hospitality-industry-workers-compensation-insurance/