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Builders risk - commercial

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For commercial building projects up to $75 million, policies may be written with  policy terms. This program also offers business income coverage, waiver of coinsurance and other coverages. 


Commercial new construction, renovation or installation projects of any size and value. Examples of eligible commercial projects include but are not limited to the following:

  • Agricultural facilities
  • Cell towers
  • Educational and healthcare institutions
  • Hotels
  • Multi-story residential or office structures
  • Municipal buildings
  • Retail stores / grocery stores
  • Solar panels
  • Stadiums and arenas, large scale installations
  • Warehouses
  • Water and sewer pipelines (no oil or gas lines)
  • Water treatment plants

Ineligible risks:

  • Registered historical structures
  • Tunnels
  • Dams
  • Structures built over water


  • Nationwide

Submission requirements:

  • No premium commitment required
  • Register online for instant access
  • Complete online application or submit paper application to underwriting team

Other requirements:

  • Builders are required to have at least three years of general contracting experience.

Coverages offered:

Coverage options include but are not limited to:

  • Earth movement
  • Flood
  • Ordinance and law
  • Soft costs
  • Business income and extra expense
  • Waiver of coinsurance
  • Testing of building systems
  • Other coverages for commercial structures

Coverage limits:

  • Projects up to $75 million are eligible, subject to underwriting approval.

Admitted or non-admitted paper:

  • Admitted in all states

Policy types:

Policy options include single structure, reporting form or blanket (deposit premium) with flexible terms and extensions when required

Additional program highlights:

  • Quick reliable turnaround (1 - 3 days), including rush and quote indications
  • Direct access to a dedicated team of 50+ specialists
  • Premium payment installment options available on most policies
  • Ability to write in all protection classes
  • Ability to increase additional coverage limits
  • Pro-rata cancellations
  • No co-insurance