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Our Homeowners Insurance Market Specializes in: ...et is a 24-hour turnaround on most homeowners quotes, and many requests receiv...

RISCO offers binding authority Homeowners Insurance solutions tailored for ha...ccounts are a good fit for RISCO’s Homeowners Insurance program?This program i...

...C's Home Select is a High-Value Homeowners Insurance solution tailored for hom...ay to discuss your next High-Value Homeowners Insurance submission. Frequentl...

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.

...rogram is ideal for residential homeowners, landlords with multiple properties...

Policy Highlights for Builders' Risk Insurance: If your clients are involved in construction or renovation, Colonial General Insurance Agency, Inc. offers a flexible, competitive Builders' Risk program to protect structures and materials during the course of construction. The program accommodates new builds and remodeling projects and is available through select admitted and non-admitted markets, giving you options for standard and harder-to-place risks. Overview of the Builders' Risk Program from Colonial General Colonial General Insurance Agency, Inc. is a regional Managing General Agency and Excess & Surplus Lines broker serving independent agents across the Western United States. With underwriting relationships across admitted and non-admitted carriers, Colonial General can offer tailored Builders' Risk solutions for contractors, developers, builders and property owners. The program supports projects from single-family custom homes to light commercial builds and renovations. Ideal Accounts and Appetite This Builders' Risk program works well for: Residential builders (single-family and multi-family) Light commercial construction (retail, small office, tenant improvements) Remodeling and renovation contractors Developers managing ground-up construction Property owners overseeing their own build projects Projects that present well typically have clear timelines, licensed contractors, required permits, and documented contract values. Colonial General can consider both frame and non-combustible construction; high-hazard projects, large-scale commercial mega-projects, or accounts with unstable work schedules may be less likely to fit without additional underwriting detail. Coverage Highlights and Advantages Property coverage options include: Basic, Broad, or Special Form physical damage coverage Coverage for the building under construction Building materials and supplies in transit or at an unscheduled storage location (standard $5,000 limit; higher limits available on request) Contents and Contractors’ Equipment coverage Equipment Breakdown protection Installation Floater for subcontracted work and materials Replacement Cost valuation where applicable These features help protect clients from theft, fire, vandalism, weather events, and mechanical or equipment failures during the build period. Underwriting Notes Colonial General evaluates submissions individually and offers flexibility across carrier partners. Underwriters will review project scope, construction type, contract language, security controls, and project timeline. Be prepared to provide plans, contractor information, project schedule, and a completed application. Minimum premiums vary by project type, location, and coverage selections—contact Colonial General for specific underwriting and minimum premium guidance on each submission. Territories and Availability This program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Availability can vary by specific project location and risk characteristics, particularly in wind, hail, or other catastrophe-prone areas. Why Work With Colonial General Colonial General combines regional construction expertise with access to both admitted and non-admitted markets, helping agents place standard and more complex Builders' Risk business. Their underwriting team is focused on responsive service and practical solutions, which helps when submitting non-standard projects or when tailored coverage forms are needed. Using Colonial General can speed placement and broaden options for clients who need flexible terms or higher limits. Example scenarios where this program typically fits: You have a client building a cluster of custom single-family homes who needs replacement-cost coverage and materials-in-transit protection. You represent a small developer renovating a retail strip with a defined schedule and licensed subcontractors requiring Builders' Risk during the renovation. Frequently Asked Questions What types of accounts are a good fit for this Builders' Risk program?This program is ideal for residential and light commercial construction projects, including new builds, remodels, and renovations managed by contractors, developers, or property owners. Can this program cover materials in transit or temporary storage?Yes. The program includes a $5,000 limit for building materials and supplies while in transit or at an unscheduled storage location. Higher limits can be requested on submission. Is coverage available for both new construction and renovations?Yes. Colonial General offers Builders' Risk policies for ground-up construction and renovation projects, including interior remodels and structural changes. What states is this Builders' Risk program available in?Coverage is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Specific availability depends on project details and location. Do you work with admitted or non-admitted carriers?Colonial General accesses both admitted and non-admitted markets, providing flexibility to match coverage needs to each project's risk profile. Need help placing an account? Connect with a market specialist.

Overview of the Vacant Dwelling Insurance Program from Jacobs & Associates Jacobs & Associates offers a specialized Vacant Dwelling Insurance program designed for residential and commercial buildings that are temporarily unoccupied. Whether your client owns a vacant home awaiting sale or a commercial property under renovation, this program provides flexible coverage options to meet their unique needs. As an Excess & Surplus Lines Broker, Jacobs & Associates gives agents access to a range of markets through non-admitted carriers, helping you place challenging risks with confidence. Eligible Classes: - Vacant dwellings with or without renovations - Vacant commercial buildings with or without renovations - Builders risk – both residential and commercial Coverage Highlights and Advantages: Jacobs & Associates uses ISO coverage forms to ensure comprehensive protection for your clients’ vacant properties. Key forms include: - Building & Personal Property – CP0010 - Builders Risk – CP0020 - Condo Unit Owners – CP0018 Additional features include: Basic Causes of Loss Form – ISO CP1010 Premises Liability Coverage – ISO CG0001 No coverage for theft or water damage Policy Terms: - 3, 6, or 12-month terms available - Quarterly payment options on 12-month policies Deductibles: - Property (no renovations): $250 per occurrence - Property (with renovations): $500 per occurrence - Liability: $250 per occurrence Minimum Retained Premiums: - Annual Policy: 25% or $100 (whichever is greater) - Six-Month Policy: 50% or $100 (whichever is greater) - Three-Month Policy: 25% or $100 (whichever is greater) Territories and Availability: This Vacant Dwelling Insurance program is currently available to agents and brokers placing risks in Ohio (OH). Why Work With Jacobs & Associates? As a trusted Excess & Surplus Lines Broker, Jacobs & Associates has access to a broad range of markets and can help you place difficult-to-insure vacant properties. Whether you're working with a homeowner waiting to sell or a commercial investor renovating an office building, Jacobs & Associates offers flexible terms, clear underwriting guidelines, and helpful service to support your business. You might have a client with a vacant duplex undergoing minor renovations before sale, or a commercial developer with a retail space awaiting a new tenant. This program can help you cover both scenarios effectively. 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, commercial buildings under renovation, and properties requiring builders risk coverage for short durations. Is this program available outside of Ohio?Currently, Jacobs & Associates offers this Vacant Dwelling Insurance program exclusively in Ohio. Are theft and water damage covered under this policy?No, this program does not provide coverage for theft or water damage. Can I get coverage for a property undergoing renovations?Yes, both residential and commercial properties with or without renovations are eligible under this program. What are the available policy terms?Policies can be written for 3, 6, or 12 months, with quarterly installments available on 12-month terms. Need help placing an account? Connect with a market specialist.

```html General Contractors Insurance Program from Pacific Coast E&S Insurance Services Getting started in the contracting world takes more than just owning a business—it takes experience, licensing, the right tools, a skilled crew, and most importantly, reliable insurance coverage. At Pacific Coast E&S Insurance Services, we help insurance agents like you find the right markets for your general contractor clients, even when others won’t take the risk. Since 1996, we’ve specialized in placing hard-to-insure contractor risks across multiple classes. Whether your client is a new venture or a seasoned builder handling large projects, our markets are designed to accommodate a wide range of contractor needs. Our strength lies in our flexibility, in-house underwriting authority, and access to multiple A-rated carriers. Ideal Accounts and Target Classes We offer coverage for nearly all types of contractors, including those performing high-risk or specialized work. Our target classes include, but are not limited to: • Residential Buildings • Framing Contractors • Roofing Contractors • Residential Developers • Oil-Related Work • Paper General Contractors • Window Washers • Waterproofers • Artisan Contractors • Subcontractors • Remodelers • General Contractors • Plumbers • LPG Contractors • Elevator Contractors • Millwrights • Demolition Contractors • Sandblasters • Bridge and Road Contractors • Welders • New Ventures • + Many More From small artisan operations to large commercial builders, we have a broad appetite. We do not impose restrictions on tract homes, project size, or percentage of subcontracted work—making this an ideal solution for many hard-to-place accounts. Coverage Highlights and Advantages Commercial general liability limits up to $1M per occurrence / $2M aggregate Deductibles as low as $500 Minimum premiums starting at $1,500 Non-admitted program with flexible underwriting Substantial in-house underwriting authority for fast turnarounds Access to multiple A-rated carriers You might have a client who’s just launched their own roofing business or a residential developer managing several subcontractors—both are great fits for our program. We are comfortable with complex and higher-risk operations that many standard markets avoid. Underwriting Details and Minimum Premiums Our minimum premium starts as low as $1,500, with deductibles beginning at $500. We can work with new ventures and established contractors alike. Our in-house underwriters can quickly assess your submission and provide competitive terms with minimal delay. Territories and Availability This program is available in California, Oregon, and Washington. We focus on West Coast contractors and understand the unique challenges and regulatory environments in each of these states. Why Work With Pacific Coast E&S Insurance Services? As a wholesale broker with over two decades of experience in contractor risks, Pacific Coast E&S Insurance Services brings deep market access and underwriting expertise to every submission. We know the complexities of the general contracting world and are committed to helping agents secure reliable, comprehensive coverage for their clients—no matter how challenging the risk. Let us help you place your next contractor account. Whether it’s a new venture welder, a high-rise window washer, or a demolition contractor, we can provide quick quotes and responsive service. Frequently Asked Questions What types of accounts are a good fit for this General Contractors program?We target a wide range of contractor classes including general contractors, roofers, remodelers, artisan trades, and even high-risk categories like demolition and oil-related work. Can new ventures qualify for coverage?Yes, we are open to new ventures. Our underwriting team evaluates each submission individually and can often provide terms even for startups. Is subcontracted work allowed under this program?Yes, there are no restrictions on the amount of work subcontracted. We are comfortable with accounts that have significant subcontractor exposure. What states is this program available in?Our General Contractors program is available in California, Oregon, and Washington. What are the minimum premiums and deductible options?Minimum premiums start at $1,500, and deductibles can be as low as $500, depending on the risk profile. Need help placing an account? Connect with a market specialist. ```

...nt: Condominium, townhouse, and homeowners association (HOA) projects are elig...

Novatae Risk Group specializes in Wrap-Up programs designed for project-specific General Insurance needs. A Wrap-Up consolidates coverage normally placed separately by owners, general contractors and subcontractors into a single, coordinated policy — reducing coverage gaps, minimizing conflicts between carriers during claim resolution, and supporting consistent safety and loss-control practices. The three core benefits of a Wrap-Up policy are Coverage, Control and Cost Savings. Wrap-Up programs are offered in two primary forms: Owner-Controlled (OCIP) and Contractor-Controlled (CCIP). Both types allow the project owner or prime contractor to spread risk among participants while providing a single insurance platform and coordinated safety program for everyone working on the project. *No two Wrap-Up policies are identical. Contact our office with questions about a specific project or to review a submission. Premiums have softened since the peak of the construction cycle, making now an attractive time for owners and contractors to consider Wrap-Up programs to better manage risk and control project insurance costs. Appetite: Residential tract developments, commercial projects, condos, townhomes, apartments and high-rise construction Program Highlights: Access to markets rated from A-VII to A-XV by AM Best (Non-Admitted AXV carrier) Typical Limits: $1M/$2M/$2M and higher available Builder/GC required to provide 3+ years of loss runs Minimum Premium: Starting at $25,000+ Minimum Deductibles: Typically start at $10,000 (BI/PD) Defense – Inside Blanket Additional Insured, Primary status, Waiver of Subrogation Subsidence coverage available subject to underwriting approval Requires PWC* warranty and formal Wrap administration (PWC warranty placed with a Zurich company) Underwriting Notes and Placement Guidelines This program is tailored for larger single-project placements or programs where consolidating multiple contractors under one policy delivers measurable cost and control benefits. Please expect standard Wrap submission requirements: complete project description, list of contractors and subcontractors, payroll and contract values, safety program documentation, and loss runs for the builder/GC (3+ years preferred). Minimum premiums and deductibles reflect the consolidated exposure profile of wrap-up placements. Limits, retentions and specific coverages (including subsidence or other project-specific endorsements) are set on a project-by-project basis by underwriting. Territories & Availability This Wrap-Up program is offered through a non-admitted AXV market and is available in the following states: AL, AK, AZ, CA, CO, CT, FL, GA, IL, KY, LA, MN, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, WV, WI. Availability may vary by state and by the specifics of the project; underwriters will confirm admissibility and any state-specific requirements during the submission review. Why Place Wrap-Up Business with Novatae Risk Group Specialized underwriting and program administration experience placing project-based Wrap-Up policies. Access to excess & surplus (E&S) capacity where needed for large or complex construction programs. Emphasis on coordinated safety and loss control to help lower claims friction and overall project costs. Responsive underwriting and experienced wrap administration partners, including PWC warranty placement relationships. Do you need a Wrap-Up Coverage quote? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of projects are a good fit for this Wrap-Up program?This program targets medium-to-large construction projects such as residential tract developments, multifamily (townhomes, apartments, high-rises), commercial developments and condominium projects where consolidating contractor coverage delivers administrative and cost efficiencies. What are the key underwriting minimums and documentation requirements?Underwriting typically requires 3+ years of loss runs for the builder/GC, a complete subcontractor schedule, estimated payrolls and contract values, a project safety plan, and confirmation of required warranties and wrap administration. Minimum premiums generally begin around $25,000 and deductibles commonly start at $10,000 for BI/PD. Is this an admitted program?No. This Wrap-Up offering is placed in the excess & surplus (non-admitted) market through a Non-Admitted AXV carrier. Availability is state-dependent; underwriters will confirm placement options for each project. What submission items help speed up placement?Provide a clear project summary (scope, schedule, location), GC and major subcontractor loss runs, estimated payrolls/values, the proposed list of participating contractors, and any existing safety or loss-control reports. Including a proposed wrap administration plan and confirmation of PWC warranty intent helps underwriters finalize terms faster. Need help placing an account? Connect with a market specialist.