We believe in personal relationships; our agencies each have an assigned service team so we can know each other. We keep it local. We staff remote Territory Managers, empowered with underwriting authority, throughout our writing states because we like to do business face to face. We are technology driven. Our BISbuilder system allows us to quickly and efficiently communicate and transact on complex construction risks with a friendly and intuitive webbased platform available 24/7. We hire professionals. None of our current underwriters have less than 15 years experience and most have many more.
Practice and Project Specific (up to 3-year terms) policies available. Builders Value Protection (BVP) Program offers our lowest cost option with a broadened GL policy paired with a Builder-Backed Warranty. Tract builders (up to 10 units) using our admitted paper. Custom and Spec Builders are eligible up to $25M in annual sales.
45 classes of business offered in 15 states, each with options for Inland Marine, GL Enhancement Endorsement, Excess and more. Contractors Choice Inland Marine options include Tools/Equipment, BPP, Computer Hardware/Software, Installation Floaters and more. We have a range of Additional Insured coverage forms available, including completed operations. Excess available up to $2/$4M/$4M.
No renewal application, 3 renewal options, and flexible payment options. Agency Bill is available but most choose Direct Bill (up to 12-Pay) with credit/debit and reoccurring payment options. We’ll even bill your broker fee! Soon after issuance, our policy and transactions are all delivered electronically.
We give you options. Choose basic coverage at our lowest price or select our broadest options to tailor coverage. To keep things simple, you can choose Agency Default coverage and/or hide options you do not want to offer. Our underwriters have a library of coverage forms to help find ways to underwrite through tough risks. Our Sales thresholds are larger than most competitors and no exposure caps means we don’t cap Payroll or Sub-Costs, so even Paper GCs are eligible.
Admitted product means no taxes or fees on our competitively priced program. Policyholders with high Insurance Scores have the opportunity to earn premium credits. Since we audit both up and down, final premium is adjusted fairly to reflect true exposure.