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Homebuilders · B · KB-1 · KB-2

Insurance for Arizona homebuilders — your exposure doesn’t end at closing.

Builders risk exclusions, completed-operations limits and subcontractor certificates are where residential builders get caught. We review all three against your projects and contracts and send a written report within 24 hours of receiving your policies.

Start your free review → Book a 15-minute call (623) 323-8385

Prefer email? Send your dec pages to [email protected].

In your free review

  • Builders risk exclusions vs. your project types
  • Completed-operations limits and terms
  • Sub certificates — AI endorsements, limits, expirations
  • Workers’ comp and uninsured-sub exposure at audit
  • Umbrella limits for today’s claim environment
The problem

Three coverage gaps that catch homebuilders off guard.

Builders risk exclusions that match your project

Earth movement, faulty workmanship and water intrusion exclusions can apply directly to residential projects. Most builders learn this when a claim is denied.

Completed operations after you hand over keys

Defect claims arrive after closing. Completed-operations limits and terms decide whether your GL responds.

Subcontractor verification gaps

A certificate doesn’t mean you’re protected. Wrong endorsements, expired policies and low limits leave you holding the claim.

Find your trade

Go straight to your license type.

General & building contractorsHeavy civil & undergroundElectrical & low voltagePlumbing & fire protectionHVAC & mechanicalRoofingPools & spasLandscape, hardscape & irrigationConcrete, masonry & steelFinish tradesSpecialty tradesNew ROC licenseDesign professionalsAll ROC contractors →
How it works

Honest timing, start to finish.

Free, no obligation. If we find nothing to fix, we tell you — and you keep the written report.

  1. Send us what you haveUpload your dec pages or policies (GL, workers’ comp, auto, equipment, umbrella) or email them to [email protected]. Add your EMR worksheet and a sample contract’s insurance section if you have them.
  2. Written Cost & Risk report within 24 hours of receiving your documentsWe read every line: class codes, experience mod, limits against your contract requirements, endorsements, exclusions and gaps. This is the review — not carrier quotes.
  3. A 15-minute callWe walk you through what we found, in plain English. If nothing needs fixing, we tell you that — you keep the report either way.
  4. If you want options, we shop itWe market your account to multiple carriers in our network. Carrier quotes typically take 1–2 business days once underwriters have what they need (payroll by class, loss runs, vehicle and equipment lists).
FAQ

Homebuilder insurance questions.

Who should carry builders risk on a custom home?
The contract decides — sometimes the builder, sometimes the owner. We read the clause and make sure it’s actually in place at the right value.
How long after closing can a defect claim be made?
Often years. That’s why completed-operations coverage and limits matter so much for residential builders.
Is there more for general and building contractors?
Yes — see general & building contractors for B, B-1, B-2, B-3, KB-1 and KB-2 licenses.
Free coverage review

Send us your policies. Get a straight answer in 24 hours.

A written Cost & Risk report within 24 hours of receiving your documents, then a 15-minute call. No cost, no obligation, no pressure to switch.

Start my free coverage review → Book a 15-minute call

No policy yet? New ROC license — get covered to start work  ·  Or call (623) 323-8385