Search CompleteMarkets

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.

General Contractor & Artisan Insurance Market Backed by International Insurance Company of Hannover PLC and rated A15 by AM Best, Gladius Insurance Services, LLC offers a focused General Contractors Insurance program designed for a broad range of construction professionals. As an Excess & Surplus Lines Broker, Gladius provides flexible non-admitted solutions for more challenging and diverse construction risks that standard admitted markets may decline. Overview of the Program From Gladius Insurance Services This program is tailored for general contractors, paper GCs, artisan trades, custom and spec home builders, and construction managers. It accepts both established firms and new ventures, including accounts with no prior coverage or with prior claim activity. The market is competitively priced with minimum premiums starting at $3,000.00 and offers underwriting flexibility for higher-exposure operations. Ideal Accounts and Appetite Gladius targets a wide variety of contractor classes, including: General Contractors (including Paper GCs) Custom and Spec Home Builders Roofers Construction Managers Restoration Contractors Artisan Trades (e.g., carpentry, painting, drywall) Tract home construction and apartment work are eligible with underwriting approval. New residential and commercial construction projects are welcome, and the program allows 100% subcontracted work when documented appropriately. Coverage Highlights and Advantages Accepts new ventures and accounts with no prior insurance Will consider accounts with prior claims activity Eligible for tract work and apartment construction upon underwriting review Roofing and restoration contractors accepted Paper GCs are a preferred class This market is positioned to place higher-risk or nonstandard general construction accounts that may be difficult to place in admitted markets. The program offers tailored terms and flexible underwriting to match the insured’s operations and exposures. Underwriting Notes and Minimum Premiums Underwriting evaluates each account on its own merits. Minimum premiums start at $3,000.00. Factors that will influence terms include revenue, percent of subcontracted work, project types, claims history, safety controls, and contract wording. Provide full details of operations, job types, payroll/subcontractor splits, and loss runs to speed placement. Ineligible Risks While appetite is broad, the following risks are not eligible for this program: Airport construction Demolition involving explosives Fire suppression system installation or service Elevator installation or maintenance Bridge work Gas stations Blasting and tunneling Territories and Availability This program is currently available in the following states: AZ, CA, CT, FL, ID, IL, IN, NV, NJ, ND, OH, OR, PA, TX, UT, and WA. Why Work With Gladius Insurance Services? Gladius combines construction underwriting expertise with access to an established E&S carrier. That combination makes them a solid option when you need flexible terms, coverage for new ventures, or placement for accounts with prior losses. Their team is set up to evaluate complex risk profiles and provide responsive submissions and tailored endorsements. Example fits for this program: A small custom home builder in California who is a new business with no prior policy — Gladius can consider placement with standard safety documentation and start-up underwriting. A restoration contractor in Florida with a recent claim history — Gladius will review loss details and may provide competitive terms where admitted markets have declined. Frequently Asked Questions What types of accounts are a good fit for this program?This program is well suited to general contractors, paper GCs, custom and spec home builders, roofers, artisan contractors, and construction managers — including new ventures and accounts with prior claims. Are new construction projects eligible?Yes. Both residential and commercial new construction projects are acceptable, subject to underwriting review. Can I submit accounts with no prior insurance or claims history?Yes. Gladius accepts new ventures and accounts with no prior coverage, and they will also consider accounts that have previous claim activity. Is 100% subcontracted work allowed?Yes. Accounts that fully subcontract their work are eligible, provided subcontractor controls and documentation are adequate. Which states is this program available in?The program is available in AZ, CA, CT, FL, ID, IL, IN, NV, NJ, ND, OH, OR, PA, TX, UT, and WA. Need help placing an account? Connect with a market specialist.

Commercial Auto Liability Insurance Transportation Risk Services (TRS) offers a focused Commercial Auto Liability Insurance program for retail agents and brokers placing transportation-related risks. As a Managing General Agency and Excess & Surplus Lines broker, TRS provides access to both admitted and non-admitted paper through an A+ (Superior) rated carrier, giving you underwriting flexibility and financial strength across a broad range of accounts. Ideal Accounts and Appetite TRS places both standard and hard-to-place commercial auto liability risks. The program fits a wide range of transportation classes, including: Contractor fleets New ventures with well-documented business plans Cement mixers and building materials dealers Courier and delivery services (parcels & documents) Container haulers and sand & gravel haulers Ambulance services (emergency and non-emergency) Hotel/motel courtesy vans and airport shuttles Taxis, limousines, and party buses (no stripper poles) Local and intermediate trucking (up to 500 miles) Selective long-haul fleets (over 40 units) TRS also evaluates niche transportation segments such as prisoner transport, garbage hauling, Drive Away & Toters, and selective fuel haulers. If you have a specialized risk, submit the details—TRS can often find creative placements. Coverage Highlights and Advantages The program offers flexible underwriting supported by an A+ rated carrier. Coverage can be placed on admitted paper in most states and non-admitted where required. Policies are structured to address operational exposures common to trucking, public auto, and specialty transport operations—liability limits, tailored endorsements, and layered programs are available as appropriate. Beyond Auto Liability, TRS can help place related products including Physical Damage, Cargo, General Liability, Garage, Contractor’s Equipment, Warehouse Legal Liability, Umbrella, and Occupational Accident/Contingent Liability. Underwriting Notes and Minimum Premiums The minimum premium for this program is $50,000, so it is best suited for mid-sized to large accounts that need comprehensive liability protection. TRS will consider new ventures that present a solid operating plan and favorable underwriting factors. Accounts with limited prior coverage history may be acceptable if safety controls, loss control programs, and management practices are strong. Unacceptable Risks To preserve underwriting integrity, the following classes are not eligible: Non-owned employee staffing Uber and rideshare services Individual trip risks Visiting nurse services Franchised auto dealers Pizza or fast food delivery Railroad employee transportation Risks with hydraulic fracturing exposure If you are unsure whether a specific class is eligible, contact TRS for clarification. Territories and Availability This program is available in most states, including but not limited to CA, TX, FL, NY, IL, GA, and PA. TRS serves clients nationwide and can place risks in the 48 contiguous states plus AK, HI, and DC, using admitted or non-admitted paper as appropriate. Why Work With Transportation Risk Services Based in Barrington, IL, TRS is a niche MGA and wholesale broker with deep relationships in the trucking and public auto markets. Agents benefit from TRS’s underwriting expertise, market access, and experience structuring layered and specialty programs. TRS provides practical guidance on exposures, loss-control expectations, and submissions to help get challenging accounts placed. Example scenarios where this program performs well: You have a regional contractor fleet of mixed-use trucks with solid safety programs seeking high-limit liability and physical damage options. An ambulance operator expanding into non-emergency medical transport needs combined auto liability and occupational accident solutions and has a detailed training and maintenance plan. Frequently Asked Questions What types of accounts are a good fit for this Commercial Auto Liability program?This program is ideal for contractor fleets, local and intermediate trucking, delivery services, ambulances, taxis, limos, and selective long-haul fleets with more than 40 units. Is this program available to new ventures?Yes. TRS will consider new ventures that present strong business plans, effective safety programs, and sound operational controls. Each submission is reviewed on its merits. What is the minimum premium for this program?Minimum premium starts at $50,000, making the program suitable for mid-sized and larger commercial auto accounts requiring substantive liability limits and coverages. What types of risks are not eligible for this program?Unacceptable risks include Uber/rideshare services, fast food delivery, franchised dealers, visiting nurse services, non-owned employee staffing, and accounts with hydraulic fracturing exposure. In which states is this program offered?TRS offers this program in most states across the U.S., with admitted options where available and non-admitted placements where necessary. Need help placing an account? Connect with a market specialist.

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.

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.

Builders Risk – Commercial & Residential Halcyon Underwriters offers a competitive Builders Risk Insurance program designed to serve both commercial and residential construction projects. As a full-service wholesale broker, Halcyon gives agents and brokers access to a broad range of carriers and flexible coverage options to meet the evolving needs of your construction clients. Whether you’re placing a ground-up build, remodel, or installation job, Halcyon’s marketplace is built to help you find the right fit. Ideal Accounts and Appetite This program is ideal for contractors, developers, and property owners involved in new construction, renovations, or major remodels across a wide range of project types. Eligible risks include most single-structure residential and commercial projects. Examples include: A general contractor building a new office complex in Texas. A developer remodeling a multi-family property in Florida. An electrician installing systems in a retail center in California. Halcyon can accommodate both reporting and non-reporting forms, though most single-structure projects will qualify for non-reporting forms only. Coverage Highlights and Optional Endorsements Policies are written on a Special Form basis, offering comprehensive protection including off-premises coverage, transit, and theft of building materials. Optional coverages are available for commercial accounts and can be tailored to match your client's exposure: Soft Costs (Extra Expense) – Covers additional costs resulting from construction delays, including loan interest, taxes, legal and consulting fees, insurance premiums, and promotional expenses. Rental Income – Protects against the actual loss of net rental income sustained during a covered delay. Please specify desired coverage and values on the application. Contractor's Equipment – Special Form coverage for owned and newly acquired equipment, rental reimbursement, and debris removal. Installation Floater – Available for artisan subcontractors such as plumbers and electricians working on both commercial and residential projects. Computer/EDP – Includes coverage for data, media, extra expense, and in-transit exposures. Underwriting Notes and Minimum Premiums Minimum premium starts at $15,000. Submissions should include complete project details, scope of work, duration, and any optional coverages requested. Rental income and soft cost coverage must be clearly detailed on the application for quotation purposes. Territories and Availability This program is available in all 50 states plus Washington, DC. Halcyon Underwriters works with top-rated carriers including Ace, Allianz, Allied World, Alterra, Axis, Catlin, Chubb, CNA, Crum & Forster, Great American, Hartford, Lexington, Liberty Mutual, Markel, One Beacon, Travelers, and Zurich. Why Work With Halcyon Underwriters With access to a wide network of carriers and underwriting expertise across diverse classes of construction business, Halcyon Underwriters is a strong partner for agents and brokers. Their team provides responsive service, deep market knowledge, and the ability to tailor coverage to unique project needs. For more details on appetite and submission requirements, visit their CompleteMarkets profile or explore the program page at Halcyon Builders Risk Insurance. Contact us today to discuss your client's builders risk needs and learn how Halcyon Underwriters can support your placement efforts. Frequently Asked Questions What types of accounts are a good fit for this Builders Risk program?This program works well for residential and commercial new construction, renovations, and remodels. Eligible accounts include general contractors, developers, and artisan subcontractors like electricians and plumbers. Are both reporting and non-reporting forms available?Yes, Halcyon offers both forms. Most single-structure projects will qualify for non-reporting forms, while larger or phased projects may be eligible for reporting forms. What optional coverages can be added?Optional coverages include soft costs, rental income, contractor’s equipment, installation floaters, and Computer/EDP. These can be tailored to meet the specific exposures of commercial clients. What is the minimum premium for this program?The minimum premium typically starts at $15,000. Final pricing depends on project size, scope, and selected coverages. In which states is this program available?This Builders Risk program is available in all 50 states and Washington, DC through Halcyon Underwriters. Need help placing an account? Connect with a market specialist.

Veracity Insurance Solutions, LLC offers a Commercial Property Insurance program that helps agents and brokers place a broad range of property and inland marine risks. As a Managing General Agency and Excess & Surplus Lines Broker, Veracity leverages relationships with multiple top-rated carriers—including Great American, Seneca, Alliance, and National Farmers—to deliver flexible solutions tailored to each client’s property exposures. Ideal Accounts and Target Industries Veracity’s Commercial Property program fits many industries and property types. Primary target classes include: Condominiums and multi-unit residential buildings Healthcare facilities, including medical offices and clinics Contractors with equipment and material storage needs Manufacturing operations with complex property exposures Wholesale distributors with significant inventory and warehouse space You might have a client who operates a light manufacturing plant with warehouse storage, or a contractor that needs protection for high-value equipment and job-site materials—both are good fits for this program. Coverage Highlights and Advantages Veracity can provide first-party property and inland marine coverage for a wide range of exposures, including: Commercial buildings (owned or leased) Contractors’ equipment and tools Personal property and contents Builder’s risk for ground-up construction or renovations Motor truck cargo for goods in transit Business income and extra expense Program advantages include: Competitive low minimum premiums (varies by risk) Access to both admitted and non-admitted paper Consideration of coastal locations (wind coverage typically excluded) Underwriting Approach and Minimum Premiums Underwriting is handled with speed and flexibility. Veracity evaluates submissions on an individual basis, matching each account to the carrier appetite and coverage form that best fits the exposure. Minimum premiums vary by location, size, and complexity of the risk; discuss specifics with a Veracity underwriter or market specialist when submitting. Territorial Availability This program is available in all U.S. states, including Washington, D.C. Veracity’s broad state footprint makes it easier to place multi-state or specialist risks—even in tougher coastal and coastal-adjacent markets where wind coverage is limited. Why Work With Veracity Insurance Solutions? Veracity combines deep property market access with responsive underwriting and placement support. As an MGA and E&S broker, they offer options across admitted and surplus lines carriers to help you close accounts that might be hard to place elsewhere. Their experience placing builders risk, inland marine, commercial real estate, and contractor equipment business gives agents practical tools to address complex property exposures. For coverage related to the distribution or manufacturing of a product, please visit our Product Liability storefront or webpage. Frequently Asked Questions What types of accounts are a good fit for this Commercial Property program?This program is well suited for condominiums, contractors, manufacturers, healthcare facilities, and wholesale distributors with property or inland marine exposures. Are coastal properties eligible for coverage?Yes—coastal properties are eligible for consideration. Wind coverage is generally excluded, and submissions are evaluated based on specific location and risk factors. Which carriers does Veracity work with for this program?Veracity partners with multiple top-rated carriers, including Great American, Seneca, Alliance, and National Farmers, to provide tailored solutions across admitted and non-admitted paper. Is this program available in all states?Yes, the program is available in all 50 states and Washington, D.C. What is the minimum premium for coverage?Minimum premiums vary depending on the risk, location, and coverage requested; Veracity structures pricing to accommodate a range of account sizes. Need help placing an account? Connect with a market specialist.

Builders Risk – Commercial & Residential Halcyon Underwriters offers a competitive Builders Risk Insurance program designed to serve both commercial and residential construction projects. As a full-service wholesale broker, Halcyon gives agents and brokers access to a broad range of carriers and flexible coverage options to meet the evolving needs of your construction clients. Whether you’re placing a ground-up build, remodel, or installation job, Halcyon’s marketplace is built to help you find the right fit. Ideal Accounts and Appetite This program is ideal for contractors, developers, and property owners involved in new construction, renovations, or major remodels across a wide range of project types. Eligible risks include most single-structure residential and commercial projects. Examples include: A general contractor building a new office complex in Texas. A developer remodeling a multi-family property in Florida. An electrician installing systems in a retail center in California. Halcyon can accommodate both reporting and non-reporting forms, though most single-structure projects will qualify for non-reporting forms only. Coverage Highlights and Optional Endorsements Policies are written on a Special Form basis, offering comprehensive protection including off-premises coverage, transit, and theft of building materials. Optional coverages are available for commercial accounts and can be tailored to match your client's exposure: Soft Costs (Extra Expense) – Covers additional costs resulting from construction delays, including loan interest, taxes, legal and consulting fees, insurance premiums, and promotional expenses. Rental Income – Protects against the actual loss of net rental income sustained during a covered delay. Please specify desired coverage and values on the application. Contractor's Equipment – Special Form coverage for owned and newly acquired equipment, rental reimbursement, and debris removal. Installation Floater – Available for artisan subcontractors such as plumbers and electricians working on both commercial and residential projects. Computer/EDP – Includes coverage for data, media, extra expense, and in-transit exposures. Underwriting Notes and Minimum Premiums Minimum premium starts at $15,000. Submissions should include complete project details, scope of work, duration, and any optional coverages requested. Rental income and soft cost coverage must be clearly detailed on the application for quotation purposes. Territories and Availability This program is available in all 50 states plus Washington, DC. Halcyon Underwriters works with top-rated carriers including Ace, Allianz, Allied World, Alterra, Axis, Catlin, Chubb, CNA, Crum & Forster, Great American, Hartford, Lexington, Liberty Mutual, Markel, One Beacon, Travelers, and Zurich. Why Work With Halcyon Underwriters With access to a wide network of carriers and underwriting expertise across diverse classes of construction business, Halcyon Underwriters is a strong partner for agents and brokers. Their team provides responsive service, deep market knowledge, and the ability to tailor coverage to unique project needs. For more details on appetite and submission requirements, visit their CompleteMarkets profile or explore the program page at Halcyon Builders Risk Insurance. Contact us today to discuss your client's builders risk needs and learn how Halcyon Underwriters can support your placement efforts. Frequently Asked Questions What types of accounts are a good fit for this Builders Risk program?This program works well for residential and commercial new construction, renovations, and remodels. Eligible accounts include general contractors, developers, and artisan subcontractors like electricians and plumbers. Are both reporting and non-reporting forms available?Yes, Halcyon offers both forms. Most single-structure projects will qualify for non-reporting forms, while larger or phased projects may be eligible for reporting forms. What optional coverages can be added?Optional coverages include soft costs, rental income, contractor’s equipment, installation floaters, and Computer/EDP. These can be tailored to meet the specific exposures of commercial clients. What is the minimum premium for this program?The minimum premium typically starts at $15,000. Final pricing depends on project size, scope, and selected coverages. In which states is this program available?This Builders Risk program is available in all 50 states and Washington, DC through Halcyon Underwriters. Need help placing an account? Connect with a market specialist.

Residential Contractors Insurance Program from Roundstone Roundstone offers a General Liability program specifically for residential contractors, homebuilders, and artisan trades. Written through an admitted carrier, this program is tailored to the needs of small- to medium-sized contractors who focus on residential construction. Whether your client builds custom single-family homes, townhomes, or condominiums, this program provides liability protection designed to manage common construction risks. Ideal Accounts and Appetite This program is a strong fit for agents placing business for: Custom single-family homebuilders Townhome and condominium builders Residential artisan contractors (carpenters, electricians, plumbers, painters, and similar trades) Target accounts are typically small to medium in annual revenue and number of units built. Limited commercial work may be acceptable when residential construction remains the primary focus. The program is not intended for general contractors with a heavy commercial mix, tract housing developers, or large-scale residential developments. Coverage Highlights and Advantages Key benefits of Roundstone’s Residential Contractors program include: Admitted General Liability coverage that helps ensure compliance with state insurance regulations Eligibility for artisan trades and specialty residential builders Flexibility to accept minor commercial exposure when residential work predominates Access to a captive provider with focused construction underwriting and claims understanding The program addresses common exposures in residential construction such as third-party bodily injury, property damage, and operations-related liability arising from on-site work and completed operations. Underwriting Notes and Minimum Premiums Roundstone underwrites with a focus on residential exposure, safety practices, and subcontractor controls. Submissions should include standard underwriting details: years in business, description of operations and project types, payroll and revenue breakdowns, and prior loss history. Strong risk management documentation (safety programs, subcontractor agreements, licensing) improves placement prospects. There is no stated minimum premium in this material; pricing and minimums are determined during submission and underwriting. Territories and Availability This program is available in all 50 states and Washington, D.C., including major construction markets such as California, Texas, Florida, New York, and Illinois. Because coverage is written on an admitted basis, your clients receive the regulatory and financial protections associated with admitted paper in those jurisdictions. Why Work With Roundstone Roundstone specializes in construction programs and brings underwriting experience focused on residential risks. As a captive provider, they combine program-level discipline with construction expertise to deliver responsive service and clearer appetite guidance. Agents benefit from an admitted market option for residential contractors, a straightforward eligibility profile, and underwriting that values documented safety and subcontractor management. To learn more or submit a risk, visit the Roundstone company profile or the Residential Contractors storefront on CompleteMarkets. 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 remain 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 established claims handling procedures. 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?Visit the Roundstone company profile or the Residential Contractors storefront on CompleteMarkets to learn more and begin the submission process. Need help placing an account? Connect with a market specialist.