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Insential, Inc. offers a flexible and competitive Contractors Business Auto Insurance program designed specifically for agents and brokers placing commercial auto risks in the construction and contracting industries. Leveraging strong relationships with a variety of carriers, we provide access to markets that can accommodate a wide range of fleet sizes—from individual contractor vehicles to large, multi-unit fleets. Ideal Accounts and Appetite We can help you place accounts for a broad spectrum of contractor-related clients, including: General Contractors Artisan Contractors Service Contractors Building Supply Dealers Specialty Contractors Whether your client is a one-person plumbing operation or a regional electrical contractor with a fleet of vans, our program can offer tailored solutions to address their business auto insurance needs. Coverage Highlights and Advantages Our carriers offer a variety of coverage options to support commercial auto risks, including: Auto Liability and Physical Damage Hired and Non-Owned Auto Liability Symbol 1 (Any Auto) Available in Some Cases We work with multiple carriers, which allows us to present your clients with competitive options and flexible underwriting. Our team understands the unique exposures contractors face on the road—and we’re here to help you find the right fit for each account. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the account’s size, class, and location. We’re able to review everything from small contractor fleets to more complex risks. Appetite may vary by carrier, so call us to discuss fit and availability for your specific client. Territories and Availability We offer Contractors Business Auto Insurance in most U.S. states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Some markets are admitted, depending on the state and carrier. Why Work With Insential, Inc. As an experienced Excess & Surplus Lines Broker, Insential brings responsive service, market access, and underwriting expertise to agents and brokers across the country. We understand contractors’ unique vehicle usage and risk profiles, and we work hard to provide coverage solutions that meet your clients’ operational needs. Have a client expanding their fleet? Or a small contractor needing symbol 1 coverage? We’re here to help you place these opportunities quickly and competitively. Call Insential, Inc. today to discuss your Contractors Business Auto Insurance submissions – 888-571-6160 Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for general, artisan, service, and specialty contractors, as well as building supply dealers with commercial vehicle needs. Can you write single vehicles or only fleets?We can accommodate a range of fleet sizes, from single-unit contractors to large commercial fleets. Is Symbol 1 coverage available through this program?Yes, Symbol 1 (Any Auto) coverage may be available depending on carrier guidelines and account qualifications. Are the carriers admitted or non-admitted?Some admitted markets are available, but availability varies by state and carrier. We also work with non-admitted markets as needed. What states is this program available in?This program is available in most U.S. states, including CA, TX, FL, NY, IL, and many others. Contact us to confirm availability in your state. 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.

Flexible Coverage for the Construction Industry Builders face significant risks from fire, weather, equipment breakdown, theft and other construction exposures. With residential, commercial, hospitality and institutional projects often representing millions in investment, protecting those assets is critical. The IGP Specialty Builder’s Risk Program helps safeguard against financial losses throughout the construction process — from groundbreaking through certificate of occupancy. Whether you’re building single-family homes or multimillion-dollar office complexes, our program offers tailored risk management solutions designed for the unique needs of the construction industry. Key Advantages Comprehensive AAIS coverage forms Available on a ground-up, primary or quota share basis Delay in completion coverage for soft costs, rental and business income Project-specific coverages Expertise in complex property risks and large-scale projects, including layered placements and multiple carriers Low minimum premiums, flexible policy periods (3–36 months) and competitive pricing Fast quote–bind–issue capabilities and responsive claims service Personalized support from experienced construction insurance professionals Target Classes Residential (1–4 family dwelling) Apartments, condominiums, group homes, and assisted living facilities Commercial (offices, mercantile, and retail) Hospitality (hotels and motels)Institutional (schools, hospitals, municipal, and correctional facilities) Institutional (schools, hospitals, municipal, and correctional facilities) Coverages Fire Theft Vandalism Wind, earthquake, and flood Installation floater Installed equipment Permanent fencing and foundations Debris removal Fire department services Trees, shrubs, and plants Pollution cleanup Transit Temporary storage Program Information Builder’s Risk Extension Questionnaire Builder's Risk New Ground-Up Construction Supplemental Builder's Risk Prior Start Supplemental Builder’s Risk Program Fact Sheet Builder’s Risk Program Highlights Builders' Risk Renovations Supplemental Contact Us As an industry leader, IGP Specialty provides coverage for highly complex property risks and large-scale projects, including those requiring multiple carriers and layered coverage. Our program offers low minimum premiums, flexible policy periods of three to 36 months, and highly competitive pricing. Our systems allow our teams to quote, bind, and issue a policy quickly and accurately and our service team provides fast, efficient claims handling. When working with IGP Specialty, you receive personalized service from knowledgeable professionals with decades of insurance expertise in the construction industry. Please submit loss run requests to [email protected].

Expertise. Solution. Service. MAXIMUM offers a robust Builders Risk Insurance program designed specifically for contractors, developers, and property owners. As a wholesale broker with access to both admitted and non-admitted carriers, MAXIMUM combines deep construction-market knowledge, flexible underwriting, and broad market access to deliver tailored solutions for projects across the United States. Ideal Accounts and Appetite This program fits a wide range of residential, commercial, and public-sector construction and renovation projects. MAXIMUM places everything from single-site builder reporting forms to complex multi-building habitational projects and large commercial developments. Target classes include: 1–4 family dwellings, including homebuilders using reporting forms Apartments, condominiums, hotels, and motels Hospitals, assisted living facilities, and group homes Retail, restaurants, and office buildings Schools, municipalities, and correctional facilities Bridges, tunnels, and manufacturing facilities All habitational classes, including complex multi-building sites Example fits: a developer building a mixed-use apartment/retail complex, or a contractor performing a large renovation of a historic hotel that requires protection for existing structures as well as new work. Coverage Highlights and Advantages MAXIMUM’s Builders Risk program delivers broad, all-risk protection that can be customized by project size, duration, and location. Policies may be issued on a project-specific or master program basis to suit frequent builders or single large projects. Limits up to $150 million per risk (non-CAT), depending on construction type and occupancy Admitted and non-admitted placement options nationwide Flexible policy terms (3–36 months) and multi-year single project options All-risk coverage subject to policy exclusions Coverage for existing structures during renovations Standalone wind, flood, and earthquake (CAT) coverage available Deductible buy-downs for CAT exposures where appropriate Delay in completion coverage for soft costs, rental income, and business income Mono-line contractors equipment, riggers’ liability, and equipment floaters Underwriting Notes and Program Structure Policies are typically written ground-up (100% written) and can be structured as primary, excess, or quota-share placements. Reporting form programs and multi-year single project policies are available for ongoing builds. MAXIMUM also administers Builders Risk master programs for contractors and developers with frequent or complex placements. Underwriting considers construction type, site security, project controls, and CAT exposure. While the program is broad, high-risk operations with poor loss controls or projects in extreme CAT zones may require alternate placement or additional terms. Territories and Availability Available in most states — MAXIMUM works with both admitted and non-admitted carriers to provide coverage across the U.S., subject to carrier guidelines and individual project characteristics. Common placements include CA, FL, TX, NY, IL, and GA, among others. Why Work With MAXIMUM? MAXIMUM offers agents and brokers responsive underwriting, strong carrier relationships, and solutions oriented to construction risks. Whether you need a quick quote for a single project or a managed master program for a repeat builder, MAXIMUM provides the market access and program structure to get accounts placed efficiently. Contact MAXIMUM by phone or email to discuss a specific account or to arrange submission requirements. We focus on delivering practical, market-driven solutions for Builders Risk exposures. Frequently Asked Questions What types of accounts are a good fit for MAXIMUM’s Builders Risk program?Residential homebuilders, commercial developers, and contractors working on new construction or renovation projects — including habitational, retail, healthcare, infrastructure, and municipal builds — are ideal candidates. Does the program cover renovations involving existing structures?Yes. MAXIMUM can include the existing structure in the Builders Risk policy to provide protection during renovation or retrofit projects. Are catastrophe perils like wind, flood, and earthquake available?Yes. Standalone CAT coverage for wind, flood, and earthquake is available, and deductible buy-downs can be arranged depending on the project and location. Can I place multi-year or reporting form policies?Yes. Policy terms run from 3 to 36 months, with multi-year single project options and reporting form programs for ongoing construction schedules. Is coverage available nationwide?MAXIMUM works with admitted and non-admitted carriers to place Builders Risk in most states. Availability in a particular state or for a specific risk depends on carrier appetite and project characteristics. Need help placing an account? Connect with a market specialist.

Boat Manufacturers, Builders & Repairers Package Insurance from LIG Marine Managers LIG Marine Managers, Inc. offers a comprehensive Boat Manufacturers, Builders & Repairers Package Insurance program tailored specifically for marine construction operations. Whether your client is building private pleasure craft or commercial vessels, this package covers critical exposures from the initial stages of construction to final delivery. Ideal Accounts and Target Classes This program is designed for a wide range of marine construction professionals, including: Boat manufacturers and fabricators Custom vessel builders Shipyards involved in new builds or major refits Specialized marine repairers You can place accounts for both single-project builds and ongoing operations. Whether your client builds yachts, commercial fishing boats, ferries, or other watercraft, LIG can help you find the right coverage solution. Coverage Highlights and Advantages The Boat Manufacturers, Builders & Repairers Package includes a broad range of essential coverages to protect your client’s assets and operations throughout the construction and delivery process: General Liability – Covers third-party bodily injury and property damage claims Hull and Machinery – Protects the vessel under construction Products Liability – Addresses risks after the vessel is delivered Builders Risk Clauses – Tailored to marine construction exposures Protection & Indemnity – Optional coverage for sea trials, demonstrations, and delivery Limits start at $5,000,000 and can be structured based on project size and risk profile. Underwriting Notes and Minimum Premiums The program is available through all markets—admitted and non-admitted—depending on the risk characteristics and state regulations. The minimum premium typically starts at $25,000. Each submission is carefully reviewed by LIG’s experienced marine underwriters who understand the nuanced risks of boat construction and repair operations. You might have a client who builds custom sportfishing boats or a yard that handles major rebuilds of passenger vessels—LIG is equipped to evaluate and underwrite these complex accounts. States Available This program is available nationwide, including all 50 states and Washington, DC. Whether your client is on the Gulf Coast, Pacific Northwest, or Great Lakes, LIG can provide coverage solutions tailored to regional exposures. Why Partner with LIG Marine Managers? LIG Marine Managers is a recognized leader in marine and maritime insurance solutions, specializing in hard-to-place and niche commercial marine risks. As a Managing General Agency and Excess & Surplus Lines Broker, LIG offers access to a wide variety of carriers and custom underwriting services. Their deep industry knowledge and responsive service make them a trusted partner for placing marine construction accounts. Please contact us today for more information on our Boat Manufacturers, Builders & Repairers Package Program! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for boat manufacturers, custom vessel builders, and marine repairers working on private or commercial watercraft. Can this program cover a single build project?Yes, coverage can be structured for one-off construction projects as well as ongoing boat building operations. Is Protection & Indemnity coverage included for sea trials?Yes, P&I coverage for sea trials, demonstrations, and delivery is available if required by the insured. What is the minimum premium for this program?The minimum premium typically starts at $25,000, depending on the size and scope of the operation. In which states is this program available?The program is available in all 50 states and Washington, DC. Need help placing an account? Connect with a market specialist.

Construction Insurance Allstar Underwriters, a division of Allstar Financial Group, offers a specialized Construction Insurance program designed to help agents place business with a wide range of construction-related risks. As a Managing General Underwriter and Excess & Surplus Lines Broker, Allstar provides flexible underwriting options and responsive service tailored to the needs of contractors and related industries. Our Small Business Solutions division streamlines the quoting and binding process, making it fast and efficient for agents to secure coverage for their clients. Whether your insured is a general contractor, a subcontractor, or operates in associated fields like retail buildouts or tenant improvements, we offer scalable solutions to meet their risk profiles. Ideal Accounts and Appetite This program is well-suited for a variety of construction and real estate-related risks, including: Contractors (general and trade-specific) Habitational properties Office buildings Vacant properties Retail and wholesale spaces Institutional facilities You might have a client who operates a small general contracting firm with occasional use of uninsured subcontractors—this program can offer the flexibility and coverage enhancements to help manage their liability exposures. Coverage Highlights and Advantages Casualty Coverage: Available as monoline or part of a package Minimum premium starting at $500 Primary liability limits up to $5 million per occurrence/$5 million aggregate Project-specific policies available Coverage available for accounts with uninsured subcontractors Optional enhancements, including: Blanket Additional Insured Waiver of Subrogation Primary & Non-Contributory wording Per Project/Per Location Aggregate Limits Hired & Non-Owned Auto (certain classes) Miscellaneous Professional Liability (certain classes) Umbrella Coverage: Limits available up to $5 million Minimum premium starting at $750 Supported or unsupported options Underwriting Notes and Minimum Premiums Allstar works with multiple carriers and can access both admitted and non-admitted markets, depending on the risk and state. Minimum premiums vary by type of coverage and account profile, but start as low as $500 for casualty and $750 for umbrella. Underlying carrier requirements include: Auto or GL carriers rated A-VI or better by AM Best Employers Liability carriers rated B++ or better Standard GL requirements: $1M/$2M/$2M Territories and Availability This program is available in most states, with a strong presence in the Southeast. States currently targeted include: AL, GA, LA, MS, NC, SC, TN, and VA. Why Work With Allstar Financial Group Allstar Financial Group brings deep expertise in construction-related insurance and offers agents a streamlined way to place challenging or niche accounts. With access to multiple carriers and a dedicated underwriting team, Allstar provides responsive service, competitive pricing, and flexible options that help you serve your clients more effectively. Whether you're placing a ground-up construction project, a rehab of a vacant property, or a contractor with complex subcontractor exposures, Allstar is a reliable partner for construction insurance solutions. Frequently Asked Questions What types of construction risks are eligible for this program?The program targets contractors, habitational risks, offices, vacant buildings, retail/wholesale spaces, and institutional properties. Can I place accounts with uninsured subcontractors?Yes, the program accepts certain risks with uninsured subcontractors and offers optional coverage enhancements to address this exposure. Are project-specific policies available?Yes, project-specific general liability policies are available as part of the construction insurance offerings. What is the minimum premium for coverage?Casualty coverage starts at a minimum premium of $500, while umbrella coverage starts at $750. Actual premiums may vary based on the account. Which states is this program available in?The program is available in AL, GA, LA, MS, NC, SC, TN, and VA, with broad access in most other states. Need help placing an account? Connect with a market specialist.

...ake you feel right at home with us, Cochrane & Company offers a flexible and c...n a non-admitted basis. Why Work With Cochrane & Company? As a Managing General Agency with decades of experience, Cochrane & Company understands the need...

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.

Your Workers Compensation Solution for Construction Risks Utah Business Insurance Company (UBIC) offers a construction-focused Workers Compensation program built for contractors and trades professionals. The program combines flexible underwriting, admitted paper across available territories, and construction-specific risk management to help your clients control losses and manage costs. Overview of the Program UBIC's Construction Workers Compensation Insurance is designed to address the day-to-day exposures contractors face. The program underwrites accounts on their individual risk characteristics rather than relying solely on class-based pricing, giving agents flexibility to place established contractors as well as qualified new ventures expanding into additional states. Ideal Accounts and Appetite The program targets most NCCI construction class codes and is best for employers with a minimum of three employees (owners and officers excluded). Roofers are considered but typically require a higher minimum premium. Accounts converting off a PEO or employee leasing arrangement are eligible when payroll and class reporting can be documented. 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 an owner who has verifiable prior trade experience Coverage Highlights and Advantages Individually underwritten accounts—underwriting focuses on risk controls and loss history, not just class codes Admitted paper in all available states Access to Companion Property and Casualty, Companion Commercial Insurance, and UBIC for broader placement options Flexible payment plans and monthly self-reporting available to match contractor cash flow Risk Management Tools Custom safety manuals and meeting logs tailored to construction trades Practical checklists and jobsite safety tips to reduce exposures Quarterly to annual risk assessments depending on account size and needs Phone, in-person, or online safety consultations available to help implement controls Underwriting Notes and Minimum Premiums Most NCCI construction codes are eligible; underwriting reviews class mixes and operations Experience modification factors up to 1.50 are generally acceptable (higher with referral) Minimum premium starts at $2,500 (roofing risks typically have a $5,000 minimum) New ventures are considered when the owner has verifiable experience in the trade Territories and Availability This program is admitted and available in Arizona, Idaho, Nevada, New Mexico, Oregon, and Utah. Multi-location and multi-state contractors that operate within these territories are eligible. Why Work With UBIC? UBIC brings focused construction workers compensation expertise and admitted solutions across its available states. Agents benefit from responsive underwriting, construction-specific risk management resources, and placement options through Companion Property and Casualty and Companion Commercial Insurance when broader solutions are needed. Use this program to place contractors who value tailored underwriting and practical loss-control support. 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 qualify. Typical fits include general contractors, electricians, plumbers, HVAC contractors, and roofing contractors (roofing may require a higher minimum premium). Is the program available for new ventures?Yes. New ventures are eligible when the owner or principal has verifiable prior experience in the same construction trade. Are multi-state or multi-location contractors eligible?Yes. Multi-location and multi-state operations within the program territories are eligible; UBIC offers admitted paper where available. Can accounts coming out of a PEO or leasing arrangement qualify?Yes. Accounts transitioning from a PEO or employee leasing model can be considered provided payroll and employee classifications are documented. What risk management support is included?UBIC provides safety manuals, meeting logs, tailored checklists, periodic risk assessments, and access to safety consultations 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.