Luxury Home Builders and
Remodelers of Luxury Home Programs

Qualification Requirements

Residential Paper General Contractors involved solely in the construction or remodeling of custom high valued homes. These GCs subcontract 70% or more of their work, with a maximum of 25 new home starts per policy year.

Coverage Outline:

  • Commercial General Liability, up to 2/4/4
  • Policy Form: CG0001 (04/13)
  • Per Project Aggregate
  • Blanket Additional Insured (CG2010 (04/13), CG2012, CG2018, CG2037)
  • Blanket Waiver of Subrogation
  • Primary Non Contributory
  • Unique Rating Structure
  • OOPS Coverage Available
  • R.I.C.H. Endorsement Available
  • Minimum Premium $5,000 (All Except NY)
  • NY Minimum Premium $10,000
  • Excess (EX) coverage available up to $5M in limits

Submission Requirements:

  • 5 years of currently valued loss runs
  • Minimum 3 years in business or 6 years of construction experience
  • Acord Application & LHB Application
  • Copy of Subcontractor Agreement
  • Number of new home starts and average sales price per home
    *Other markets are available  for risks not fitting this profile.

Send all new business submissions to: