All states
The policy form is broadly the same everywhere. What changes is the minimum, the filing requirement and whether an admitted carrier will even write you.
Quote for my stateSome states set a statutory floor for licensed builders, others leave it to the contract.
A few states require certificates to be filed with the licensing board, not just the general contractor.
Coastal and CAT-exposed states push builders into surplus lines more often.
Waiver of subrogation and additional insured wording is interpreted differently from state to state.
Pricing has moved in different directions depending on the state and the trade.
In most of the Midwest and Southeast, admitted carriers are competing for framers, concrete and mechanical trades, and pricing has been flat to slightly down.
Along the Gulf and Atlantic coasts, catastrophe exposure pushes more builders to surplus lines markets. Expect higher minimum premiums and more underwriting questions about where you work.
In states with aggressive construction defect statutes, carriers ask harder questions about your quality control process and your subcontractor agreements. Those answers affect your price more than your payroll does.
No. One policy can list multiple states. Pricing is driven by the highest-exposure state you operate in.
Licensing and insurance are separate. Some states require you to register and file a certificate before you can pull a permit.
Catastrophe exposure. The same trade with the same payroll costs more where wind and water losses are frequent.
Tell us every state you work in and we will quote against the highest exposure.
