For Builders

Commercial General Liability

Builders Risk

        For Homeowners 

Homeowners Insurance

Flood Insurance

Excess Flood Insurance

For Builders

Our insurance products are designed for quality builders in today’s marketplace for single-family production, semi-custom and custom homes. Policies are currently written by a select group of specialty agents in Florida and Georgia and are expanding into additional states.

Eligibility requirements include:

• Approval of Bonded Builders home warranty application

• Three years’ experience exclusively in single-family homes

• Favorable construction defect and general claims history

• Financial stability and positive projections

• Maximum of 100 home starts per year

Commercial General Liability (Availability: Currently FL, and GA. Ask about additional states.)

• General Aggregate Limit (other than Products/Completed Operations): $100,000 - $2,000,000

• Products/Completed Operations Aggregate Limit:                            $100,000 - $2,000,000

• Personal & Advertising Injury Limit:                                                      $100,000 - $1,000,000

• Each Occurrence:                                                                              $100,000 - $1,000,000

• Fire Damage Limit – Any one fire:                                                           
  $100,000

• Medical Expense Limit – Any one person:                                    
  $10,000

       Additional Coverages and Endorsements

• Contractors Coverage Extension

• Employee Benefits Liability Coverage

Builders Risk (Availability: Currently FL only. Ask about additional states.)

• Uses a broad Builders Risk coverage form and endorsements

• Coverage available on a monthly reporting or stand-alone basis 

• Limits: Up to $750,000 any one structure and $10,000,000 per project

• Competitive rates in all areas

• Numerous supplemental coverages included

• All-risk coverage including windstorm and hail

For Homeowners

Convenient policies for your customers are offered by our affilate, Bonded Builders Insurance Services. With the exception of standard flood coverage, the policies are underwritten by one of the property and casualty companies of Bankers Insurance Group. Headquartered in Florida, Bankers is a national company with a 30-year history of insuring property owners.

Homeowners Insurance (Availability: Currently AZ, FL, NV, SC. Ask about additional states.)

Covers full replacement value of:

• Home

• Detached structures such as garage, tool shed, pool and fence

• Personal property including furniture, clothing and appliances

Additional coverages and discounts available.

Flood Insurance (Availability: All states)

• Structure (up to $250,000) and contents (up to $100,000) coverage available

• Underwritten by the federal government’s National Flood Insurance Program

• Policies available for homes in high- and low-risk flood zones

Excess Flood Insurance for homes valued at more than $250,000 (Ask about availability in your state.)

• Designed to pick up where standard flood leaves off, protecting homes valued at more than $250,000

• Can increase flood coverage by as much as $1 million, depending on state

• Additional contents coverage available, too