Olive Cover
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INSURANCE CARRIER

US Assure Builders Risk Insurance

Course-of-construction coverage for general contractors, developers, and homeowners undertaking construction projects.

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RATINGS & OVERVIEW

How This Carrier Rates

AM Best

A+ Superior (Zurich North America underwriting)

JD Power Personal

JD Power Commercial

Builders risk specialist, outside the scope of the J.D. Power Small Commercial study.

NAIC Complaint Index

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 AM Best A+ Superior backing.

WHY CHOOSE THEM

What This Carrier Does Well

Strength 1

Direct appointment with the leading US builders risk specialist provides Georgia construction projects with specialty underwriting and pricing.

Strength 2

Underwritten through Zurich North America with AM Best A+ Superior financial backing.

Strength 3

Online quote and bind platform for routine builders risk placements with fast turnaround.

LIMITATIONS TO KNOW

Where They Fall Short

Weakness 1

Builders risk only. No coverage for completed operations, primary commercial property, or general liability beyond the builders risk policy.

Weakness 2

Project duration limits typical to 12 months with extension options for longer projects.

Weakness 3

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

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

Coverage Types

Builders risk (course-of-construction)

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.

Industry Classes

General contractors, residential and commercial construction, renovations, additions, multi-unit developments, and owner-builder projects

Admitted Status

Admitted (writing through Zurich North America and other underwriters)

CLAIMS & PRICING

What to Expect

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.

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.

vs Competitors

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.

File a Claim

Call to report a claim:

Phone unavailable

STATE AVAILABILITY

Where They Write

States Available

All 50 states

Personal Lines States

Commercial Lines States

All 50 states

Do We Work With Them?

Yes

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

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What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

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What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

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Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

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