US Assure Builders Risk Insurance
Course-of-construction coverage for general contractors, developers, and homeowners undertaking construction projects.
Ratings
How This Carrier Rates
Overview
About This Carrier
US Assure is the leading builders risk insurance specialist in the United States, with a direct appointment relationship with Olive Cover. They write course-of-construction coverage for new construction, renovations, additions, and developer projects. For Georgia general contractors, owner-builders, and homeowners undertaking construction, US Assure is typically the primary builders risk market. Underwritten through Zurich North America with A+ Superior financial strength backing.
Why Choose Them
What This Carrier Does Well
Direct appointment with the leading US builders risk specialist provides Georgia construction projects with specialty underwriting and pricing.
Underwritten through Zurich North America with A+ Superior financial backing.
Online quote and bind platform for routine builders risk placements with fast turnaround.
Limitations to Know
Where They Fall Short
Builders risk only. No coverage for completed operations, primary commercial property, or general liability beyond the builders risk policy.
Project duration limits typical to 12 months with extension options for longer projects.
Coverage gaps between builders risk policy expiration and the permanent property policy effective date require careful coordination; a lapse between the two creates an uninsured window that most project owners overlook
Right Fit
Who They Are Best For
Best Fit For
Contractors, developers, and property owners needing builders risk insurance during new construction or major renovation projects, both residential and commercial.
Not a Good Fit For
Completed buildings or business operations without active construction. US Assure is a builders risk specialty carrier, not a general commercial lines insurer.
Appetite & Coverage
What They Write
- Line of Business
- Commercial Lines - Builders Risk
- Coverage Types
- Builders risk (course-of-construction)
- States Available
- All 50 states
- Commercial Lines States
- All 50 states
- Max Business Revenue
- Project-based underwriting. Total Insured Value (TIV) up to $10M typical, larger projects available with underwriting approval.
- BOP Appetite
- Not a business owners policy carrier. Builders risk specialist.
- Industry Classes
- General contractors, residential and commercial construction, renovations, additions, multi-unit developments, and owner-builder projects
Pricing & Claims
What to Expect
Best Pricing For
Residential and small commercial builders risk. Strongest on Georgia construction projects covering new builds, renovations, additions, and developer multi-unit projects up to $10M TIV.
Pricing Context
US Assure is a leading builders risk specialist with competitive pricing for both residential and commercial construction projects across most size ranges. They are the market to start with for active construction coverage.
Claims Experience
Specialty builders risk claims handling with adjusters experienced in construction-phase losses including theft, vandalism, water damage from construction, weather, and fire. Their claims process is purpose-built for construction project losses.
File a Claim
- Phone 800-987-3373
- Hours24/7 phone
- Online Claims portal
Admitted Status: Admitted (writing through Zurich North America and other underwriters)
Compared
How They Compare
Primary Georgia competitors for builders risk are inland marine carriers like Zurich (direct), Travelers Inland Marine, and specialty markets through wholesalers. US Assure typically wins on residential and small commercial builders risk for routine placements; Zurich and Travelers compete on larger commercial construction.
Quick Facts