Builders Mutual Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Builders Mutual remains a construction-only specialty carrier distributed through appointed independent agents. Current published guidance positions the carrier for residential, commercial, and trade contractors, with Workers’ Compensation available monoline or in multiline accounts; CPP targeted to larger trade contractors with payrolls above $1.5M and to general contractors; Umbrella available over CGL, Employers Liability, and Auto; and Builders Risk available for new residential, new commercial, renovation, and remodeling projects. Florida is explicitly WC-only for Builders Mutual’s footprint. Published footprint references DC, FL, GA, MD, MS, NC, SC, TN, and VA for incidental employee exposures, and the market footprint page references agency distribution across FL, GA, MD, MS, NC, SC, TN, and VA. The appetite guide states any class not listed should be treated as undesirable and referred before binding. Top-performing / preferred WC trades called out in the guide include commercial carpentry, interior trim carpentry, residential carpentry, door/sash erection, electrical wiring, excavation, floor covering, insulation, painting/paperhanging, and roofing. Examples of operational restrictions visible in the guide include cable/telephone line construction only when there is no overhead work, no pole climbing, and no ladder or bucket-truck work; communication equipment installation with limited height exposure and no pole-to-pole or line-contractor work; carpentry framing with no new ventures; grading contractors only with no logging/tree removal or demolition; phone/cable/intercom/wireless limited to residential installation with no height exposure; and trade carpentry/modular housing submissions referred to underwriting. In Florida, pre-surveys are required for framing, roofing, siding, drywall, masonry, concrete, and other high-hazard classes. Property and Builders Risk coastal wind guidance is detailed: beach/coastal zones in GA, MD, MS, NC, SC, and VA have either no property eligibility, no wind coverage, or mandatory 2% wind deductibles depending on distance from coast/county; exceptions are noted for business personal property-only risks valued at $25,000 or less, subject to underwriting approval. Product/broker notes: the GL Trade Contractor Program is available for residential and commercial trade contractors and does not include the subcontracted work property exclusion on the GL or Commercial Umbrella forms. For Umbrella, concurrent expiration with GL is mandatory, while concurrency with WC/EL and Auto is preferred. Submission and servicing instructions published for agents include using newbusiness@bmico.com for new business, endorsements@bmico.com for policy changes, lossruns@bmico.com for loss runs, and audits@bmico.com for audit matters; claim reporting is through phone, email, fax, or online claims center. Agent portal guidance says only licensed and appointed Builders Mutual agents can quote and bind in Agency Link; appointed agents can rate, quote, issue, service, upload WC policies from AMS360/Sagitta/Applied/IVANS, and message underwriters. Builders Mutual also highlights Large Market support with consultative underwriting, custom risk-management agreements, pre-audit services, and designated claims handling.