Builders Risk for Commercial Lines Agents

From groundbreaking to ribbon-cutting, reliable insurance for commercial building projects is critical. Builders risk insurance covers a wide range of commercial property projects and clients. This insurance policy is crucial for course of construction clients who have a lot at stake, like their livelihood when operating a business.

With flexible coverages and billing options, the US Assure Builders Risk Plan insured by Zurich covers commercial projects valued up to $75 million. Our leading Builders Risk Plan is designed to meet the varying needs of commercial property construction clients with nearly any volume of business and project scope. Builders risk policies can be insured in the contractor’s or owner’s name, and you can create a policy specific to clients’ needs while under construction.

You can feel confident knowing you’re giving clients competitively priced coverage with a highly respected and reliable provider known for its customer-centric claims handling. Plus, you’ll get up to 20 percent commission on every policy!

Potential Clients

  • Commercial contractors
  • Commercial property owners
  • Municipalities (local governments, school districts)
  • Real estate agents
  • Retail tenants who are expanding or remodeling a leased space
  • Subcontractors

Project Examples

  • Updating a building’s interior
  • Expanding a retail store into an adjacent tenant space
  • Creating an additional outdoor patio space at a restaurant
  • Installing a new HVAC system, awning or rooftop solar panels
  • Installation of playgrounds, light poles or trash cans in a public park
  • Building a new office building, restaurant, courthouse or strip mall


  • Flexible policy terms, including extensions when required
  • Policy types include single structure, reporting form or blanket/deposit premium
  • Coverage options include earth movement, flood, ordinance and law, soft costs, business income and extra expense, and testing of building systems
  • Ability to write in all protection classes
  • Ability to increase additional coverage limits
  • Quick, reliable turnaround (1 to 3 days), including rush and quote indications
  • Higher commissions: 20% paid in all states, excluding high-value frame projects
  • Ability to accommodate fee-based agencies with large accounts; pricing flexibility for fee-based brokers
  • Pro-rata cancellations
  • No co-insurance
  • Premium payment installment options available on most policies
  • Risk engineering services available through Zurich


  • Nationwide

More Information

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