Builders Risk – Large Home
The large home builder insurance program is designed for residential home builders with multiple projects running concurrently. Coverages include Inland Marine with options for purchasers under contract, model homes, model home contents, tools and equipment, trade-ins and unsold dwelling.
Business owners: Contact your insurance agent or broker
Insurance agents
Call a specialist now 847-762-7178
Appetite
- Residential home builders with multiple projects running concurrently
Geography
- Nationwide
Ineligible risks
- Mobile homes
- Registered historical structures
- Structures built over water
Coverages offered
- Marine coverage: Coverage available on a single structure and reporting form or blanket (deposit premium) basis for builders with multiple projects running concurrently.
- Comprehensive coverage options, such as Unsold Dwelling, Better Green and Ordinance or Law, are available. This Program Administrator also expanded eligibility for Flood and Earthquake coverage.
- Business Income, Waiver of Coinsurance and other coverages are available for commercial structures.
- Coverage for remodelers (including major structural renovation), purchasers under contract, model homes, model home contents, tools and equipment, trade ins, and unsold dwellings is available. Rating and underwriting guidelines apply.
- Large commercial policies may be written with customized policy terms. Rating and underwriting guidelines apply.
- Application (available upon request for contact)
- Provide addresses of project locations
- Provide total completed value of projects
- Projects up to $75 million are eligible, subject to underwriting approval.
- Admitted in all states
- Builders are required to have at least three years of general contracting experience.
FAQs
Builders Risk – Large Home insurance from Zurich is designed for residential home builders that manage multiple construction projects at the same time. The program provides inland marine–based coverage to protect homes, materials and related property throughout the construction lifecycle.
Zurich Builders Risk – Large Home is intended for residential home builders with multiple projects. The program is well suited for builders seeking streamlined coverage across several job sites.
Coverage is available nationwide and tailored to builders with ongoing, multi project operations.
Zurich Builders Risk – Large Home does not cover:
- Mobile homes
- Registered historical structures, and projects that require historical society review or approval
- Structures built over water
- Structure previously moved
Each submission is reviewed to ensure alignment with program underwriting guidelines.
Zurich Builders Risk – Large Home includes inland marine coverage that can be written on:
- A single structure basis
- A reporting form (excludes remodeling)
- A blanket (deposit premium) basis
This flexibility helps large home builders efficiently manage insurance across multiple locations.
Zurich Builders Risk – Large Home coverage may include protection for the following — all subject to underwriting guidelines:
- Homes under construction
- Purchasers under contract
- Model homes and model home contents
- Tools and equipment
- Trade ins
- Unsold dwellings
- Major remodeling or structural renovation projects
This broad coverage scope helps builders protect assets throughout different phases of development.
Yes. Zurich offers expanded coverage options, which may include:
- Unsold Dwelling coverage
- Better Green coverage
- Ordinance or Law
- Expanded eligibility for Flood and Earthquake coverage
Available options depend on underwriting criteria and project characteristics.
Zurich Builders Risk – Large Home policies are written on an admitted basis.
Zurich Builders Risk – Large Home is ideal for:
- Residential home builders
- Developers managing multiple projects
- Builders seeking blanket or reporting form coverage across job sites
The program is designed to scale alongside growing residential construction operations.
To obtain Zurich Builders Risk – Large Home Insurance, businesses can request contact through the Builders Risk – Large Home appetite page on ZProgramsMatch.
Large home builders choose Zurich because of:
- Construction focused underwriting expertise
- Coverage designed for multiple concurrent projects
- Flexible inland marine policy structures
- Strong claims and risk management support
Zurich brings financial strength and construction insight to complex residential building programs.