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Contractors Insurance Program from A.I.I. Insurance Brokerage of MA A.I.I. Insurance Brokerage of MA offers a robust Contractors Insurance program designed for independent agents and brokers seeking access to Excess & Surplus markets across New England. Whether your client is a residential remodeler, commercial GC, or specialty trade contractor, our program delivers flexible and competitive insurance solutions tailored to a range of contractor classes. Ideal Accounts and Appetite We specialize in placing hard-to-place risks and unique exposures that may not fit in admitted markets. Our appetite includes, but is not limited to: Artisan Contractors – Electricians, plumbers, HVAC, painters, and other specialty trades Roofing Contractors – Including residential and commercial roofing operations Demolition Contractors – Including selective and structural demo work General Contractors – Especially those involved in residential and light commercial construction Builders Risk Accounts – For single-family homes, commercial projects, and renovations Contractors Pollution Liability – For environmental and pollution-related exposures You might have a client who is a roofer with prior claims or a demolition crew working on older structures—these are the types of accounts we can help you place. Coverage Highlights and Advantages Our Contractors Insurance program includes access to a broad array of coverages through various national and regional E&S markets. Key coverage options include: General Liability (including subcontractor exposure) Contractors Pollution Liability Builders Risk policies for ground-up and renovation projects Excess Liability and Umbrella options Specialty liability for demolition and roofing contractors We work with you to tailor coverage to match your client’s operations, exposures, and project types. Underwriting Notes and Minimum Premiums Minimum premiums vary based on the class of business, scope of work, and loss history. We are comfortable reviewing accounts with prior losses or lapses in coverage, and we evaluate each submission individually to find the best market fit. Our team is focused on responsive turnaround and practical underwriting for E&S business. Territories and Availability This program is available to agents and brokers in the following states: Connecticut (CT) Massachusetts (MA) Maine (ME) New Hampshire (NH) Rhode Island (RI) We primarily write on a non-admitted basis, with access to most available markets in these states. Why Work With A.I.I. Insurance Brokerage of MA? As a regional Excess & Surplus Lines broker with deep experience in contractor-related risks, A.I.I. Insurance Brokerage of MA is your partner in finding solutions for tough-to-place accounts. We offer access to a wide network of carriers, flexible underwriting, and a commitment to personalized service. Our team works closely with agents to understand the nuances of each account and provide fast, effective placement options. Visit our company profile to learn more about our capabilities, or view the full details of our Contractors Insurance program. Frequently Asked Questions What types of accounts are a good fit for this Contractors Insurance program?We are a strong market for artisan contractors, roofers, demolition contractors, and general contractors with residential or light commercial operations—especially those with complex or hard-to-place exposures. Can you write contractors with prior claims or lapses in coverage?Yes, we evaluate each account individually and can often find markets for contractors with prior losses or coverage gaps. What coverages are available through this program?We offer General Liability, Builders Risk, Contractors Pollution Liability, Excess/Umbrella, and other specialty lines tailored to contractor operations. Is this program available on an admitted basis?Most markets in this program are non-admitted, giving us flexibility in underwriting and coverage customization. Which states are eligible for submission?We accept submissions from agents and brokers in CT, MA, ME, NH, and RI. Need help placing an account? Connect with a market specialist.

Contractors Insurance Program from A.I.I. Insurance Brokerage of MA A.I.I. Insurance Brokerage of MA offers a robust Contractors Insurance program designed for independent agents and brokers seeking access to Excess & Surplus markets across New England. Whether your client is a residential remodeler, commercial GC, or specialty trade contractor, our program delivers flexible and competitive insurance solutions tailored to a range of contractor classes. Ideal Accounts and Appetite We specialize in placing hard-to-place risks and unique exposures that may not fit in admitted markets. Our appetite includes, but is not limited to: Artisan Contractors – Electricians, plumbers, HVAC, painters, and other specialty trades Roofing Contractors – Including residential and commercial roofing operations Demolition Contractors – Including selective and structural demo work General Contractors – Especially those involved in residential and light commercial construction Builders Risk Accounts – For single-family homes, commercial projects, and renovations Contractors Pollution Liability – For environmental and pollution-related exposures You might have a client who is a roofer with prior claims or a demolition crew working on older structures—these are the types of accounts we can help you place. Coverage Highlights and Advantages Our Contractors Insurance program includes access to a broad array of coverages through various national and regional E&S markets. Key coverage options include: General Liability (including subcontractor exposure) Contractors Pollution Liability Builders Risk policies for ground-up and renovation projects Excess Liability and Umbrella options Specialty liability for demolition and roofing contractors We work with you to tailor coverage to match your client’s operations, exposures, and project types. Underwriting Notes and Minimum Premiums Minimum premiums vary based on the class of business, scope of work, and loss history. We are comfortable reviewing accounts with prior losses or lapses in coverage, and we evaluate each submission individually to find the best market fit. Our team is focused on responsive turnaround and practical underwriting for E&S business. Territories and Availability This program is available to agents and brokers in the following states: Connecticut (CT) Massachusetts (MA) Maine (ME) New Hampshire (NH) Rhode Island (RI) We primarily write on a non-admitted basis, with access to most available markets in these states. Why Work With A.I.I. Insurance Brokerage of MA? As a regional Excess & Surplus Lines broker with deep experience in contractor-related risks, A.I.I. Insurance Brokerage of MA is your partner in finding solutions for tough-to-place accounts. We offer access to a wide network of carriers, flexible underwriting, and a commitment to personalized service. Our team works closely with agents to understand the nuances of each account and provide fast, effective placement options. Visit our company profile to learn more about our capabilities, or view the full details of our Contractors Insurance program. Frequently Asked Questions What types of accounts are a good fit for this Contractors Insurance program?We are a strong market for artisan contractors, roofers, demolition contractors, and general contractors with residential or light commercial operations—especially those with complex or hard-to-place exposures. Can you write contractors with prior claims or lapses in coverage?Yes, we evaluate each account individually and can often find markets for contractors with prior losses or coverage gaps. What coverages are available through this program?We offer General Liability, Builders Risk, Contractors Pollution Liability, Excess/Umbrella, and other specialty lines tailored to contractor operations. Is this program available on an admitted basis?Most markets in this program are non-admitted, giving us flexibility in underwriting and coverage customization. Which states are eligible for submission?We accept submissions from agents and brokers in CT, MA, ME, NH, and RI. Need help placing an account? Connect with a market specialist.

Flexible Property Coverage! Builders face significant risks from fire, weather-related damage, equipment breakdown, theft, and other construction exposures. The financial resources invested in residential, commercial, hospitality, and institutional projects can easily top millions. Safehold Special Risk's Builder’s Risk Insurance program helps builders and developers manage those exposures. Whether you are placing single-family residential houses or multi-million-dollar office buildings, this program provides property coverage for damage that occurs from ground-breaking through certificate of occupancy. Policies can be structured to fit new construction, renovations, and phased or multi-site projects. We develop risk-management programs tailored to the construction industry’s unique needs. Safehold combines specialized underwriting with a quoting system designed for quick bind and issuance, plus a responsive claims team for efficient handling of losses. Coverage Highlights and Advantages Wind deductible buy-back – available for residential and commercial projects during construction Comprehensive AAIS coverage forms Placement options on a ground-up (100% written), primary, excess, or quota-share basis Programs for rehabilitation and renovation work, including non-structural and minor structural projects Delay in completion coverage for soft costs, rental income, and business interruption Project-specific reporting forms, installation floaters, and equipment coverage options As an industry-leading program administrator, Safehold provides solutions for complex property risks and large construction programs. The platform supports fast quotes and issuance, and Safehold’s claims team focuses on responsive, practical outcomes for contractors, developers, and lenders. Ideal Accounts and Classes New residential construction (1–4 family dwellings) Homebuilders using reporting forms Apartments, condominiums, group homes, and assisted living facilities Commercial construction (office, mercantile, retail) Hospitality projects (hotels and motels) Institutional projects (schools, hospitals, municipal buildings, correctional facilities) If you have clients working on mixed-use developments, senior housing, or multi-tenant commercial builds, this program is equipped to handle both the complexity and value of those risks. Example accounts A mid-size developer building a 120-unit apartment complex with phased construction and a need for delay-in-completion coverage for soft costs. A custom homebuilder constructing high-value single-family residences who wants wind deductible buy-back and owner-controlled insurance options. Included Coverages Fire, theft, and vandalism Wind, earthquake, and flood (where available) Installation floater and coverage for installed equipment Permanent fencing, foundations, and site improvements Debris removal and fire department service charges Trees, shrubs, and plants Pollution cleanup, transit, and temporary storage Capacity and Underwriting Up to $110,000,000 per risk (non-CAT), dependent on construction type and occupancy class Reporting form limits: up to $1,000,000 per dwelling / $10,000,000 per occurrence Minimum deductibles start at $500 (varies by total insured value and occupancy) Minimum premiums: Residential – $300; Commercial and Renovations – $500 Submission Requirements To submit a risk, include: ACORD 125 and 147 forms Installation/Builder’s Risk section and/or supplemental application Construction contracts, budgets, and project timelines Site plans, soft-cost breakdowns, and business income worksheets (as applicable) Available States and Admitted Status Safehold’s Builder’s Risk Insurance program is available in most states, including CA, FL, TX, NY, IL, and GA. The program is admitted in most jurisdictions; please consult Safehold for state-specific availability and filing requirements. Why Work With Safehold Special Risk Safehold Special Risk specializes in construction-focused property programs and large, high-value projects. Agents benefit from: Specialized underwriting that understands construction schedules, subcontractor exposures, and project staging Flexible policy terms (3 to 36 months) and layered coverage structures Fast quoting and bind capabilities to meet tight transaction timelines A service model geared to brokers and agents placing complex accounts Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for residential and commercial builders, developers, and contractors working on new construction, renovations, or rehabilitation projects. It fits both small homebuilders and large-scale institutional or mixed-use developments. Is the program available in all states?The Builder’s Risk Insurance program is available in most states. Admitted status is available in many jurisdictions. Always check with Safehold for specific state availability. What is the minimum premium for this program?Minimum premiums start at $300 for residential construction and $500 for commercial or renovation projects. Final premiums depend on total insured value and project complexity. Does the program cover renovation projects?Yes, the program accommodates rehabilitation and renovation work, including non-structural and minor structural improvements. What documentation is required to submit a risk?Submissions should include ACORD 125, ACORD 147, the Builder’s Risk or Installation section, and supporting documents like contracts, budgets, timelines, site plans, and soft-cost breakdowns. Need help placing an account? Connect with a market specialist.

Gladius Insurance Services, LLC is a nationwide excess and surplus lines broker focused on contractor casualty solutions. We work exclusively with retail agents to place general liability, excess, and pollution coverage for contractors of all sizes — including accounts that are hard to place in the admitted market. With deep industry knowledge and strong carrier relationships, we provide responsive service, fast turnaround, and underwriting guidance designed to help you win and retain contractor business. Ideal Accounts and Appetite The Contractors Casualty Insurance program is built for a broad range of contractor risks, from small artisan trades to large general contractors and construction managers. We consider new ventures, accounts with limited or no prior coverage, and operations that rely 100% on subcontractors. Examples of eligible risks include: Roofers and other higher-exposure trades General contractors (including paper GCs) Construction managers and supervising contractors Restoration and remediation contractors Residential and commercial new construction (custom and speculative homes) Apartments and tract work (subject to underwriting) Accounts with prior claims activity (evaluated case-by-case) We also consider EIFS and subsidence exposures where underwriting approval is appropriate. Agent examples: You might have a roofer with a recent claim history who needs excess capacity and pollution coverage for restoration work; or a paper GC managing multiple subcontractors who requires blanket additional insured and per-project aggregate language. Those are the kind of submissions this program targets. Coverage Highlights and Advantages Gladius provides access to A15-rated capacity through International Insurance Company of Hannover LLC and offers flexible casualty solutions tailored to contractor exposures. Key features include: Primary general liability, excess liability, and pollution coverage options Blanket additional insured, primary & non-contributory, waiver of subrogation, and per-project aggregate endorsements Prior projects coverage available with limitations and underwriting review Subsidence and EIFS coverage available upon approval Underwriting Notes and Minimum Premiums We take a hands-on underwriting approach and evaluate new ventures, accounts with losses, and complex operations. Minimum premiums typically start at $3,000. Accounts that require removal of prior work exclusions generally need loss runs and may be subject to higher minimums. Please note these risks are not eligible for this program: New construction of condominiums, condo conversions, and townhouses Projects involving process piping, blasting, landfills, tunneling, or emergency systems Bridge or airport construction Fire suppression contractors and crane operators Territories and Availability This E&S program is available to retail agents nationwide and is actively available in more than 40 states, including CA, TX, FL, AZ, NJ, IL, and WA. All coverage is written on a non-admitted basis. Why Work With Gladius Insurance Services? As an independent wholesale broker, Gladius combines market access with contractor-specific underwriting expertise. We prioritize relationship-driven service, fast response times, and clear communication so you can place difficult risks efficiently. Our team helps you package submissions, identify appropriate endorsements, and navigate loss history to secure the best available terms. Whether you’re placing a new venture with no prior coverage or a large GC with complex exposures, Gladius can help you find tailored casualty solutions through strong carrier partners. Frequently Asked Questions What types of contractor accounts are a good fit for this program? We focus on roofers, general contractors, construction managers, restoration contractors, paper GCs, and 100% subcontracted operations. We also consider higher-exposure trades with underwriting approval. Can you write new ventures or accounts with no prior coverage? Yes. New ventures and accounts without prior history are eligible, subject to underwriting review and documentation. What are the minimum premium requirements? Minimum premiums typically start at $3,000. If prior work exclusions need to be removed, loss runs are usually required and higher minimums may apply. Which states is this program available in? The program is offered on a non-admitted basis in most states, including CA, TX, FL, AZ, NJ, IL, WA, and many others. Availability varies by state and account details. Are accounts with prior claims eligible? Yes. We review accounts with prior claim activity on a case-by-case basis and work to structure terms that address the exposure. Need help placing an account? Connect with a market specialist.

RISC's Home Select is a High-Value Homeowners Insurance solution tailored for homes and condos valued over $250,000. Developed for independent agents and brokers, this program offers flexible underwriting and broad eligibility across the United States, including areas that are traditionally difficult to insure. Overview of the Program From RISC Inc. RISC Inc. is a Managing General Agency (MGA) offering access to specialty personal lines markets. With Home Select, agents can place primary and vacation homes, even those in high-risk zones or with unique ownership structures. Coverage is available for properties under construction, vacant, corporately or estate-owned, and more. This program provides a much-needed market for high-value homeowners who face challenges obtaining coverage due to location or risk profile. Whether your client owns a coastal vacation home or a secondary residence in wildfire-prone regions, RISC delivers tailored protection options. Ideal Accounts and Appetite Home Select is ideal for clients who meet the following criteria: Homes and condos with dwelling values of $250,000 and up Total insured values up to $10,000,000 (higher limits available with referral) Liability coverage up to $1,000,000 Personal articles floater available up to $250,000 (with higher limits by referral) Target risks include: Primary and vacation residences Properties in high-risk areas such as: Coastal zones High wind regions Brush fire-prone areas Flood or rising water zones Earthquake-prone locations Protection Class 9 or 10 areas Homes under construction or vacant Corporately or estate-owned properties Coverage Highlights and Advantages Designed for hard-to-place high-value homes Flexible underwriting for specialty and high-risk exposures Access to respected carriers: Lonmar Global Risks & Sagicor Syndicate Customizable limits with referral options for higher values You might have a client with a luxury mountain home in a wildfire zone or a coastal condo used as a seasonal residence—RISC’s Home Select program can help you find coverage solutions for these scenarios. Underwriting Notes and Minimum Premiums Most markets are written on a non-admitted basis Minimum premium starts at $1,500 Referral required for higher limits or complex risks RISC works closely with agents to evaluate non-standard or high-net-worth exposures and deliver tailored solutions with responsive turnaround times. Territories and Availability The Home Select program is currently available in the following states: Arkansas (AR) Minnesota (MN) Montana (MT) Nebraska (NE) North Dakota (ND) Oklahoma (OK) Oregon (OR) South Dakota (SD) Texas (TX) Utah (UT) Wyoming (WY) Why Work With RISC Inc. on High-Value Homeowners? RISC Inc. brings specialized expertise in placing difficult personal lines risks. Their Home Select program gives agents access to quality markets and underwriters who understand the nuances of high-value residential properties. With a focus on flexibility, speed, and customized solutions, RISC makes it easier for brokers to serve high-net-worth clients in challenging territories. Contact RISC today to discuss your next High-Value Homeowners Insurance submission. Frequently Asked Questions What types of accounts are a good fit for this program?Homes or condos valued over $250,000, including those in high-risk areas or with unique ownership structures like trusts or corporations, are ideal candidates. Can this program insure vacation homes or secondary residences?Yes, the Home Select program covers both primary and vacation homes, even in coastal or wildfire-prone areas. What is the minimum premium for this program?The minimum premium starts at $1,500, subject to underwriting review and risk characteristics. Are higher limits available for property or personal articles coverage?Yes, higher limits are available with referral. Total insured values can go up to $10 million or more depending on the risk. Which carriers support this program?The program is backed by Lonmar Global Risks and Sagicor Syndicate, offering strong market support for unique personal lines risks. Need help placing an account? Connect with a market specialist.

Residential Contractors Insurance Program from Roundstone Roundstone offers a General Liability program tailored specifically for residential contractors, homebuilders, and artisan trades. This program is written through an admitted carrier and is designed to meet the needs of small to medium-sized contractors who specialize in residential construction. Whether your client builds custom single-family homes, townhomes, or condominiums, this program can help provide the protection they need to manage their project risks effectively. Ideal Accounts and Appetite This program is a strong fit for agents looking to place business for: Custom single-family homebuilders Townhome and condominium builders Residential artisan contractors (e.g., carpenters, electricians, plumbers, painters) Accounts should fall within the small to medium-sized range in terms of annual revenue and number of units built. Limited commercial work may be acceptable if residential remains the primary focus. This program is not intended for general contractors with a heavy mix of commercial activity or those involved in tract housing or large-scale developments. Coverage Highlights and Advantages The program provides General Liability coverage through an admitted carrier, giving your clients the assurance of regulatory compliance and financial security. Key benefits include: Coverage for residential construction exposures Eligibility for artisan trades and specialty builders Flexibility for accounts with minor commercial exposure Access to a captive provider with deep understanding of construction risks For example, you might have a client who builds five to ten custom homes per year and occasionally remodels light commercial spaces—this program may provide the right liability protection for their operations. Underwriting Notes and Minimum Premiums Roundstone underwrites with a focus on residential exposures and seeks contractors who maintain strong safety practices and subcontractor controls. While there is no stated minimum premium, the program is best suited for accounts with consistent operations and well-documented risk management procedures. Submissions should include standard underwriting information such as years in business, project types, and prior loss history. Territories and Availability This program is available in all 50 states, plus Washington, D.C., including key construction markets such as California, Texas, Florida, New York, and Illinois. Because it is written on an admitted basis, your clients benefit from compliance with state insurance regulations across all jurisdictions. Why Work With Roundstone Roundstone brings specialized expertise and underwriting experience in the residential construction sector. As a captive provider, they offer a focused approach to program management and risk evaluation. Agents who work with Roundstone benefit from responsive service, a clear appetite, and access to admitted markets tailored to residential contractors. To learn more or submit a risk, visit the Roundstone company profile or the Residential Contractors storefront. 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 be 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 reliable claims handling. 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?You can visit the Roundstone company profile or their Residential Contractors storefront on CompleteMarkets to learn more and begin the submission process. Need help placing an account? Connect with a market specialist.

Your Workers Compensation Solution for Construction Risks Utah Business Insurance Company (UBIC) has developed a dedicated Workers Compensation program tailored for construction-related exposures. This construction-focused solution is designed to meet the unique needs of contractors and trades professionals by offering flexible underwriting and specialized risk management tools. Overview of the Program UBIC's Construction Workers Compensation Insurance program is built to handle the challenges contractors face daily. Whether you're placing a new venture with proven industry experience or a growing contractor expanding across multiple states, this program is designed to deliver responsive underwriting and tailored risk solutions. Ideal Accounts and Appetite This program targets most NCCI construction class codes and is ideal for accounts with a minimum of three employees, not including owners or officers. Roofing contractors are considered, although they require a higher minimum premium. Accounts transitioning from PEO or employee leasing arrangements are also eligible. Example accounts that fit well include: A drywall contractor with five field employees operating in Utah and Nevada A start-up electrical contractor in Colorado with a founder who has prior experience in the industry Coverage Highlights and Advantages Individually underwritten accounts based on risk characteristics—not class-based underwriting Admitted in all available states Access to Companion Property and Casualty, Companion Commercial Insurance, and UBIC Monthly self-reporting and flexible payment plans available Risk Management Tools Custom safety manuals and meeting logs Checklists and safety tips tailored to construction environments Quarterly to annual risk management assessments, depending on account needs Access to phone, in-person, or online safety consultations Underwriting Guidelines and Premiums Most NCCI construction codes are eligible Accounts with experience modification factors up to 1.50 accepted (higher with referral) Minimum premium starts at $2,500 ($5,000 for roofing risks) New ventures accepted with verifiable experience in the trade Territories and Availability This program is available in Arizona, Colorado, Idaho, New Mexico, Nevada, Oregon, and Utah. Multi-location and multi-state operations are eligible. Why Work With UBIC? UBIC brings deep expertise in construction-related workers compensation risks. As a carrier offering admitted solutions across the Western U.S., UBIC provides agents and brokers with competitive underwriting, responsive service, and risk management tools that help your construction clients operate more safely and efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?Most construction-related businesses with at least three employees beyond the owners are eligible. This includes general contractors, electricians, plumbing companies, and roofing contractors (with higher minimum premium). Is the program available for new ventures?Yes, new ventures are eligible if the owner has prior experience in the same construction trade or industry. Are multi-state or multi-location contractors eligible?Yes, the program supports contractors operating across multiple states or with multiple business locations. Can accounts coming out of a PEO or leasing arrangement qualify?Yes, accounts transitioning from a PEO or employee leasing model are eligible for coverage under this program. What risk management support is included?UBIC provides safety manuals, meeting logs, safety tips, regular risk assessments, and consultation services to help reduce workplace injuries and improve compliance. Need help placing an account? Connect with a market specialist.

Tract Home Builder Program from Novatae Risk Group Novatae Risk Group offers a dedicated Tract Home Builder Program for residential developers and contractors who build multiple single-family homes in planned subdivisions. The program is built to handle the complex liability and coordination exposures that come with multi-home and phased developments, and it provides flexible admitted and non-admitted placement options to fit regional and large-scale builders alike. Ideal Accounts and Appetite This program targets residential tract development projects. Typical accounts we place include: Homebuilders developing multiple single-family units in planned subdivisions General contractors overseeing large residential projects or multiple builders on a single site Developers coordinating phased or long-term tract developments You might have a client building a 50-home subdivision in Texas or a contractor managing a multi-phase project in California — Novatae’s program is structured to accommodate those exposures and timelines. Coverage Highlights and Advantages Traditional Policies (Occurrence Form): $2,500 minimum premium Access to 23 A.M. Best A-VI+ rated carriers Available through both admitted and non-admitted markets Includes CG20101185-equivalent endorsements Offered in most states Per Project Policy: Policy terms extendable from 18 to 36 months or longer Supported by A+ rated carriers Available in most states Wrap Up - CCIPs (Contractor-Controlled Insurance Programs): Backed by over 17 A-VIII or better rated carriers Designed specifically for residential tract developments Limits: $1M/$2M/$2M Deductible: $5,000 Self-Insured Retention (SIR) or higher Minimum Premium: Competitive pricing available Available in all states Wrap-up policies consolidate coverage for all contractors and subcontractors on a project to reduce coverage gaps and disputes. This integrated approach can improve job site safety, simplify loss control and streamline claims handling. Learn more about Wrap Up Coverage. Underwriting Notes and Minimum Premiums Submissions should include detailed project information, construction schedules, and contractor qualifications to secure the most accurate quotations. Traditional occurrence policies start at a $2,500 minimum premium; competitive minimums are available for wrap-up/CCIP structures. Policies can be tailored to match project timelines, phased construction schedules, and the overall risk profile. Territories and Availability Novatae’s Tract Home Builder Program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, and WV. Both admitted and non-admitted placements are available depending on the state and individual risk characteristics. Why Work With Novatae Risk Group? As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group combines deep underwriting expertise with broad carrier access to place complex residential construction risks. We focus on practical, marketable solutions for tract developers and contractors — including occurrence forms, per-project policies, and wrap-up programs backed by highly rated carriers. Our team works with agents to structure coverage that aligns with project schedules and reduces exposure to gaps between contractors and subcontractors. Do you need a Tract Home Builder Quote? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak with an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors and developers involved in residential tract home construction, especially those managing multi-home or phased subdivision projects. Can coverage be customized for different project sizes and durations?Yes. Policies can be tailored per project with terms typically ranging from 18 to 36 months or longer, depending on project scope and client needs. Is this program available on an admitted basis?Yes. Both admitted and non-admitted options are available depending on the state and the risk profile. Are wrap-up policies available nationwide?Yes. Wrap-up CCIP options are available in all states and are backed by highly rated carriers. What is the minimum premium requirement?Minimum premiums start at $2,500 for standard occurrence policies; competitive pricing is available for wrap-up and CCIP placements. Need help placing an account? Connect with a market specialist.

Builder's Risk-Course of Construction Insurance from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a robust Builder's Risk-Course of Construction Insurance program designed to protect property owners, contractors, and developers during construction projects. Whether you're placing coverage for a residential home builder, a commercial contractor, or a real estate developer, our program provides tailored solutions for the unique risks associated with construction. Ideal Accounts and Appetite This program is ideal for: Residential and commercial buildings under construction New construction, renovations, or additions Contractors, developers, and property owners Frame, masonry, and mixed-construction types Large-scale or high-value construction projects We are not a fit for risks involving existing structures, land, landscaping, or automobiles as these items are excluded from coverage. Coverage Highlights and Advantages Our Builder's Risk Insurance program provides broad protection for property during the construction phase. Covered property typically includes: Construction materials and supplies on-site or in transit Structural elements such as foundations and excavations Scaffolding and temporary structures used in the construction process Optional coverage enhancements may include: Permission to occupy coverage during final phases Fire department service charges Debris removal following an insured loss Valuable papers and records Pollutant cleanup and removal Capacity for large and complex projects Underwriting Notes and Minimum Premiums Our minimum premium starts at $500, making this an accessible solution for a wide range of project sizes. We can entertain submissions for both small residential builds and large commercial developments. Frame and non-standard construction types are considered, depending on project details and location. To expedite underwriting, be sure to include project timelines, construction type, total insured value, and any unique exposures when submitting your accounts. Territories and Availability This program is available in most states, including but not limited to CA, TX, FL, NY, AZ, and IL. We can write business in nearly all 50 states and the District of Columbia. Admitted and non-admitted options may be available depending on the location and nature of the risk. Why Work With Continental Risk / Continental Marine Insurance Services? As a wholesale broker with deep experience in construction-related risks, Continental Risk / Continental Marine Insurance Services offers access to a wide range of markets and flexible underwriting for Builder's Risk accounts. Our team understands the nuances of course-of-construction exposures and works closely with agents and brokers to craft policies that protect against common and complex risks on the job site. Whether you're placing coverage for a small contractor building custom homes or a developer breaking ground on a multi-family complex, we can help you find the right solution for your client’s needs. To learn more or submit a risk, please contact our office directly. Frequently Asked Questions What types of accounts are a good fit for this Builder's Risk program?This program is ideal for residential and commercial construction projects, including new builds, remodels, and additions. We welcome submissions from contractors, developers, and property owners. What property is covered under this policy?The policy typically covers construction materials, supplies, scaffolding, and the structure under construction. It does not cover existing buildings, land, plants, or vehicles. Can you write large or complex construction projects?Yes, we have the ability to write large-scale and complex construction projects, including those with higher total insured values or specialized construction types. Is coverage available in my state?This program is available in most U.S. states, including CA, TX, FL, NY, and many others. Please contact us to confirm availability in your specific state. What is the minimum premium for this program?The minimum premium starts at $500, depending on the size, scope, and location of the project. Need help placing an account? Connect with a market specialist.