INSURANCE CARRIER
US Assure Builders Risk Insurance
They write course-of-construction coverage for new construction, renovations, additions, and developer projects.
Commercial Lines - Builders Risk
- File a claim 800-987-3373 · 24/7 phone
- Online Account & claims portal
- After hoursUS Assure claims: 1-800-987-3373 anytime.
A note on availability: We are not currently placing new business with this carrier in Alabama. A free coverage review can confirm which carriers we can place coverage with for your situation.
Coverage Focus
What this carrier writes
Overview
About This Carrier
They write course-of-construction coverage for new construction, renovations, additions, and developer projects. For general contractors, owner-builders, and homeowners undertaking construction, US Assure writes course-of-construction coverage as a builders risk carrier. Underwritten through Zurich North America. If you are not sure whether a project needs this coverage, a free coverage review can walk through your situation.
Strengths
What This Carrier Does Well
Underwritten through Zurich North America.
Online quote and bind platform for routine builders risk placements with fast turnaround.
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. Once a project is finished, the standing structure usually moves to a commercial property insurance policy instead. 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)
- Carrier's Licensed States
- All 50 states
- Commercial Lines States
- All 50 states
- Max Business Revenue
- Project-based underwriting.
- 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.
Pricing Context
US Assure is a builders risk specialist with competitive pricing for both residential and commercial construction projects across most size ranges, writing residential and commercial course-of-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. Each of these is a covered peril under a course-of-construction policy. Their claims process is purpose-built for construction project losses, so an adjuster handling your claim understands how a job site differs from a finished building. Admitted Status: Admitted (writing through Zurich North America and other underwriters) Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts