Nationwide Coverage — Production Homebuilders
Coverage built for the way you build
General liability, builders risk, workers' comp, bonds, and more — sized for subdivision-scale construction, not a single-trade subcontractor. One nationwide agency, fast quotes.
Nationwide
licensed to place coverage in all 50 states
10 Coverage Lines
one agency, every line you need
NPN #8608479
verifiable licensing on every quote
Why It's Different
Production builders carry a different risk profile
A single-trade subcontractor and a production homebuilder running six subdivision phases at once need fundamentally different coverage. Simultaneous multi-lot exposure means one incident can trigger claims across multiple homes at once — and completed-operations claims on a closed-out phase can surface years after the sale.
- Multi-lot builders risk — one blanket policy across an entire phase
- Higher GL limits for subdivision-scale completed-operations exposure
- Multi-state bonding as you expand into new markets
- Umbrella limits that meet what lenders and developers now require
Subdivision-scale exposure, subdivision-scale limits
Engineered Coverage
Every line a production builder needs
From general liability to subcontractor default insurance — one agency, ten coverage lines, nationwide.
Expanding into new states? One agency keeps it simple
License and permit bonds are jurisdiction-specific — a production builder opening a new subdivision in a new state or county needs a new bond before breaking ground. We coordinate bonding, GL, workers comp, and builders risk across every market you're active in, from one relationship.
The Process
Scoped, quoted, bound — usually in a day
Tell us your operation
Active lots, states, revenue, employee count — the real numbers behind your risk.
We scope your coverage
The right lines and limits for your scale, not a generic contractor template.
Fast, firm quote
A real number from real carriers, usually within one business day.
Bind & build
Coverage in place before you break ground — documentation ready for lenders and developers.
Straight Answers
What builders ask before they apply
Costs, coverage basics, bonds, workers comp — the full FAQ covers 24 questions.
Browse All FAQsAt minimum: general liability, workers' compensation (if you have employees), and builders risk on active projects. Most production builders also need a license/permit bond, commercial auto, tools & equipment coverage, and an umbrella policy once revenue and project scale justify higher limits.
Cost depends heavily on revenue, crew size, and number of active lots — a small custom-home GC might pay a few thousand a year for GL and workers comp, while a multi-phase production builder can run into five or six figures annually. We quote based on your actual operation.
Yes — that's a core reason production builders work with a nationwide agency rather than a string of local agents. One point of contact coordinates GL, workers comp, bonds, and builders risk across every state you build in.
On a production/tract build, the builder or developer buys and holds the builders risk policy since they own the structure until closing. On a custom, owner-financed build, it varies by contract.
Yes — call 844-967-5247 or email josh@contractorschoiceagency.com and we'll put together a coverage package based on your actual operation, not a generic template.
From the Blog
Insurance intelligence for homebuilders
Building a subdivision? Get coverage sized for the job.
Fast quotes nationwide for production homebuilders — general liability, builders risk, workers' comp, and bonds, from one agency that speaks your trade.