about us coveragecomplete - builders mutual · pdf file• inland marine* • umbrella...
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HBA
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SERVICESBILLIN
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AGENT QUICK REFERENCE GUIDEv2 2017
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ABOUT US
AB
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HBA
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ALL THAT OUR CUSTOMERS DO IS ALL THAT WE DO, TOO.
Builders Mutual provides insurance coverage exclusively to the construction industry. It’s not just our specialty—it’s all we do. Headquartered in North Carolina, our market now includes the Mid-Atlantic and Southeast. We have a history with the North Carolina Home Builders Association and maintain strong partnerships with various industry associations. From the groundbreaking to the ribbon cutting, we stand by our customers, helping them avoid risks and ensuring they enjoy a job well done.
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• Workers’ Compensation• General Liability
• Inland Marine*• Umbrella
COMPLETE COVERAGE FOR CONTRACTORSBuilders Mutual provides a complete range of coverage options for residential, commercial, and trade contractors, including:
MARKET FOOTPRINTBuilders Mutual partners with more than 700 independent agencies spread across Florida, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia. We will also write policies in Georgia and Washington, D.C.
The following coverage options are available for contractors in Florida:
*Only limited coverage options available.
• Workers’ Compensation• Commercial Package Policy• General Liability• Property • Inland Marine
• Crime • Auto • Builders Risk • Umbrella
Florida-domiciled operations must be written by Florida resident agents.For Georgia risks, please contact your underwriter.
NOTE
ABOUT US
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ABOUT US
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The “A” rating reflects [Builders Mutual’s] strong risk-adjusted capitalization, historically profitable operating performance, and stable loss reserving trends driven by effective loss control practices and aggressive claims management.
A.M. Best
JOB-SITE SAFETY INSTITUTEThe Job-Site Safety Institute (JSI) is a nonprofit organization that was established and funded by Builders Mutual for the sole purpose of conducting safety research. Our aim is to reduce residential and commercial job-site injuries and eliminate job-site fatalities. Incorporated in 2014, JSI brings together educational institutions and industry leaders to help increase awareness of construction site dangers. The research conducted by JSI will produce studies that guide safety practices, set new standards, and influence worker behavior on job-sites.
INDUSTRY PARTNERSHIPSBuilders Mutual maintains sponsorships with several builder and trade associations to show our dedication to the industry we serve. Since many of our employees are highly involved in these organizations and often serve on boards and special committees, these sponsorships represent more than a financial commitment, but also a chance to get involved.
Sponsorships
Safety sponsor of National Association of Home Builders (NAHB)Diamond sponsor of North Carolina Home Builders Association (NCHBA)Premier Partner of Home Builders Association of Virginia (HBAV) Premier Partner of Home Builders Association of South Carolina (HBASC)Premier Partner of Home Builders Association of Tennessee (HBAT)Bronze sponsor of Maryland Building Industry Association (MBIA)Corporate sponsor of Hispanic Contractors Association of the Carolinas (HCAC)Strategic Partner of Appalachian State University Brantley Risk & Insurance Center
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ABOUT US
Throughout our history, Builders Mutual has consistently returned dividends in 28 out of 32 eligible years, totaling more than $55 million. We continueto provide fi nancial stability to our policyholders and show steady, controlled growth as a company. This dividend return is one way to recognize the strong results of both our policyholders and our company.
1984-2016
Physical Address
Builders Mutual Insurance Company 5580 Centerview DriveRaleigh, NC 27606
Main Mailing AddressBuilders Mutual Insurance CompanyP.O. Box 150005Raleigh, NC 27624-0005
KEY CONTACTSBuilders Mutual understands that insurance is a business built on relationships. We believe in taking a collaborative approach to writing new business, renewing accounts, and servicing policies. Contact us today! We are ready to provide support and help you grow your business.
Claims Mailing AddressBuilders Mutual Insurance CompanyP.O. Box 150006Raleigh, NC 27624-0006
For individual employee contact information, log in to buildersmutual.com and click on Your Support Team.
Territory Manager
Your Territory Manager is the primary liaison between your agency and Builders Mutual and will serve as a trusted advisor to help you meet your sales goals.
Mid-Market Underwriter (UW)
Your Mid-Market UW will work with you on accounts over $150,000 in payroll and over $1.5 million in subcontracted costs.
Express Account Underwriter (UW)
Your Express Account UW will work with you on accounts up to $150,000 in payroll and up to $1.5 million in subcontracted costs.
Agency Service Rep (ASR)
Your ASR will process quotes and issue new business, endorsements, and renewals. Your ASR works closely with your assigned Express Account and Mid-Market UWs to provide fast, accurate service.
SALES & UNDERWRITING
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ABOUT US
CUSTOMER CONTACT CENTER800-809-4859Available Monday through Friday, 8 a.m. to 6 p.m. Eastern Time (ET).
AUDIT
800-612-0399 x 478 Available Monday through Friday, 8 a.m. to 5 p.m. ET.
CLAIMS
To Report a Claim
Call 800-809-4862, and be connected with a representative.
Log in to buildersmutual.com to report a claim online.
Email [email protected].
Fax 919-227-0204.
To Manage Claims Call Claims Support 800-809-4861.
IMPORTANT EMAILS To ensure faster processing and response times, use the following email addresses:
[email protected]@[email protected]@bmico.com
RISK MANAGEMENTVisit buildersmutual.com/RM for specific Risk Management contact information.
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HBA
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N/A **C **C **C **C
N/A P P P P
*C *C *C *C*C
*C *C *C *CN/A
*C *CN/A C C
P * P * P * P P
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P P P PN/A
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C C C CN/A
**C **C C **CN/A
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ABOUT USABOUT US
CLASSIFICATION BMIC APPETITE CODETrade
ContractorWorkers’Comp.
General Liability
Comm.Auto Property
Cabinet Works w/Power Driven Machinery
Cabinets/Vanities – No Power Woodworking
Cable TV & Telephone Service Connection (customer’s premises only) – WC considered only if no overhead work – including no pole climbing and no work from ladder or bucket truck
Cable TV & Telephone Service Connection (line construction work) – WC considered only if no overhead work – including no pole climbing and no work from ladder or bucket truck
Cable/Phone/Intercom Installation (Communication Equipment Installation) – Limited height exposure; no pole to pole, limited work from ladder or bucket truck, no line contractors – TV & Telephone Service Connection (Contact your Underwriter)
Carpentry – Framing (No new ventures)
Carpentry – Modular Housing, Not Mobile Homes (For Trade, contact your Underwriter)
Carpentry – Remodeler – No Fire or Water Restoration or Major Renovation; Limited Scope
Carpentry – Residential; includes new construction (single-family dwellings 3 stories or less), additions, decks, porch/patio enclosures and remodelers (For Trade, contact your Underwriter)
Carpentry – Siding
Carpentry Installation of Cabinet Work or Interior Trim; Countertop and Cabinet Installation; hardwood fl oor fi nishing and installation
Carpentry Multi-Family Dwellings 3 Stories or Less (For Trade, carpentry not involving building structures. Contact your Underwriter.) (Applies in DC, FL, and VA only for Workers’ Comp.)
Carpentry NOC (For Trade, carpentry not involving building structures)
Carpentry Shop Only & Drivers
Carpet/Floor Covering Installation – (WC binding authorized only if no unins. subs used)
Carpet, Rug, Furniture Upholstery Cleaning – On Customer’s Premises
Ceiling Installation Suspended Acoustical – other than metal
Ceiling Installation Suspended Acoustical – metal
Central Vacuum Systems
Concrete – Floors, Driveways, or Sidewalks
Concrete Construction NOC – 3 stories or less
Concrete Construction Residential – footings and foundations; no foundation repair
Concrete Power Washing – no height exposure
Conduit Construction Including Drivers
Debris Removal – in connection with construction operations only, no building demolition work
Door Installation
Drywall/Sheetrock Contractor
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P P P P P
C C C C C
U U U UN/A
N/A
N/A
N/A
P P P P
**C U C**C
U U U UN/A
UP P P
P C U
ABOUT US
APPETITE GUIDEAs a niche carrier dedicated to the construction industry, our target market includes construction and construction-related classes. The ratings in our Appetite Guide should be used as a general reference. When in doubt about a particular risk, consult your underwriter prior to binding coverage. Any classifi cation not listed should be considered as Undesirable.
The following 10 workers’ compensation classes continue to represent the top performing trades and have a proven history of solid performance with Builders Mutual.
The following fi ve workers’ compensation classes are traditionally more challenging to underwrite and require a deeper understanding of the risk. Consequently, we maintain the following guidelines for submitting and writing new business in these fi ve classes. This criteria enables us to partner with you to select the best of the best in these classes. While we do not plan to modify our approach for renewals, we will work to have adequate premium for the exposure.
New Business Submission Guidelines for Five Specifi c Classes
5403 Carpentry - NOC Commercial
5437 Carpentry - Interior Trim
5645 Carpentry - Residential
5102 Door/Sash Erection
5190 Electrical Wiring
6217 Excavation
5478 Floor Covering
5479 Insulation
5474 Painting or Paperhanging
5551 Roofi ng
Best Performing Workers’ Compensation Classes
5221 Concrete or Cement Work
5537 HVAC
5022 Masonry
9102 Park NOC (Lawn Care)
5445 Wallboard Installation
• Minimum of $5,000 manual WC premium• Pre-survey by Builders Mutual Risk Management to document operations and safety• 3-year loss history, with current coverage in-force (no new ventures)• Excellent 3-year loss ratio
**post-survey at Underwriter’s discretion **pre-survey required Preferred Considered Undesirable
TradeContractor
Workers’Comp.
General Liability
Comm.Auto Property
CLASSIFICATION BMIC APPETITE CODE
Air Conditioning Systems or Equipment – Dealers or Distributors and Installation, Servicing or Repair
Appliances and Accessories Installation, Servicing or Repair – Commercial (Contact your Underwriter)
Architectural or Engineering Firm (as a governing class)
Associations – HBA (No Habitat for Humanity)
Automatic Sprinkler Installation & Drivers – Fire Suppression
Building Material Dealer – no repairs, no sales of used items
Burglar Alarm/Security System Installation or Repair & Drivers – No Monitoring
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AGENT ADVANTAGESHBA MEMBERSHIP (NC ONLY)ABOUT US
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P PP *P P
P PP * P P
**C **C **C **C **C
P ** P ** P ** C P
P *PP UN/A
P * P *P *P P *
C *C C C C
U U U UN/A
*C *C *C *C *C
C P *P *P *P *U U U UN/A
C C C C C
P PP P P
U U UCN/A
P PP P P
P PP P P
P *P *P PN/A
P PP P P
**C C **C CN/A
**C **CN/A **C **C
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PPP PN/A
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U U U UN/A
U U U UN/A
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P PP P P
U U UN/A P *
ABOUT US
CLASSIFICATION BMIC APPETITE CODE
Electrical Apparatus Installation – within buildings; no work above 480 volts and/or no industrial work
Electrical Contractor – no work above 480 volts and/or no industrial work
Excavating Contractor – Commercial or Multi-Occupancy Structures, no logging/tree removal or demolition
Excavating Contractor – Single-Family Dwellings, no logging/tree removal or demolition
Executive Supervisor (as governing class)
Fence Installation and Repair
Garage Doors
Gas Construction
Glazier Away From Shops & Drivers
Grading Contractor – no logging/tree removal or demolition
Gutter Installation
Handyperson (Contact your Underwriter)
Home Furnishings Installation
Home Inspectors
HVAC Duct Work – GL binding authorized only if no crane operations are conducted by insured, but subcontracting crane work to insured subcontractor is acceptable, no industrial work is performed
HVAC Duct Work – WC/GL binding authorized only if no industrial work is performed
Insulation Contractor – WC/GL binding authorized only if no industrial work performed
Interior Designers (For Trade, contact your Underwriter)
Iron or Steel Erection Construction of Dwellings 2 Stories
Iron Works Shop Decorative & Drivers
Iron/Steel Fabrication – Shop Ornamental & Drivers
Irrigation/Drainage System
Janitorial Services – Construction-related (No residential or offi ce janitorial services)
Landscaping Gardening & Drivers (No DOT work)
Lathing & Drivers
Lawn Maintenance
Masonry Contractor – less than 3 stories
Millwright Work NOC & Drivers Including HVAC – No industrial machinery or repair; any crane operation conducted by insured must be through insured subcontractors
Nursery – Plants
Ornamental Metal Works (for Trade, Decorative or Artistic)
Painting – Exterior – less than 3 stories
Painting/Paper Hanging – Interior
Paper Hanging & Drivers – No Painting
Pest Control
TradeContractor
Workers’Comp
General Liability
Comm.Auto Property
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PPP PN/A
**C **CN/A **C P **C C C C C
CP P P P
PPP PP
N/A C C C C
P PN/A U P *
N/A C C C C
U U U UN/A
PPP PN/A
N/A C C CU
U U U UN/A
**C **CN/A **C C
*C **CN/A **C *C
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PPP PP
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U U U UN/A
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**C CN/A CU
U U U UN/A
ABOUT US
Phone/Cable/Intercom/Wireless – Residential Installation; No height exposure
Pile Driving
Plastering NOC & Drivers
Plumbing Contractor – No Sprinkler Installation (Commercial – No boiler work)
Plumbing Contractor – No Sprinkler Installation (Residential)
Power Washing – Decks and Houses
Project or Construction Manager
Property Management
Real Estate Agent; only undesirable as a governing class and not in conjunction with a carpentry or construction code
Remodeler – No Fire or Water Restoration or Major Renovation; Limited Scope
Real Estate Appraiser
Retail Dealers
Roofi ng Contractor – consult Underwriting Guidelines
Septic Tanks
Septic Tank Cleaning
Septic Tank Installation/Service & Repair
Sewer Construction All Operations & Drivers
Sheet Metal Works – Outside (Sheet Metal Shop/Install)
Spa/Whirlpool Installation
Stone Cutting/Polishing
Stone/Brick/Masonry Contractor
Street/Road Construction: Paving or Repaving and Drivers – Residential-related; No Freeways, Highways or Major Metro Areas; no bridge/tunneling work
Stucco Contractor – No Application of Waterproof Sealants
Surveying/Land Planning Contractor
Swimming Pool Construction
Swimming Pool Servicing (No Construction)
Telephone Cable Installation – (WC considered only if no overhead work including no pole climbing and no work from ladder or bucket truck)
Telephone or Fire Alarm Line Construction & Drivers
Tile, Stone, Mosaic or Terrazzo Work Interior Construct Only
Tree Removal
Trenching Contractor
Water Main Construction – Residential Only; no gas construction
Waterproofi ng Contractor – Commercial (WC considered only if no work at height, such as from ladders, scaffolds, harnesses, boom/bucket lifts, etc.)
Welding or Cutting NOC & Drivers
Wholesale Dealer/Distributor – Construction-Related Only
CLASSIFICATION
ABOUT US
BMIC APPETITE CODETrade
ContractorWorkers’
CompGeneral Liability
Comm.Auto Property
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AGENT ADVANTAGESHBA MEMBERSHIP (NC ONLY)ABOUT US
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COMPLETE COVERAGE
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AGENT ADVANTAGESHBA MEMBERSHIP (NC ONLY)ABOUT US
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COMPLETE COVERAGE
WORKERS’ COMPENSATIONAs experts in construction insurance, it is no surprise that we are a leading carrier of workers’ compensation in our market footprint. For more than 30 years, we have returned dividends to eligible policyholders who put safety fi rst. The dividend distribution is based on the fi nancial results of each year and, while a dividend distribution cannot be guaranteed, traditional eligibility criteria is listed below.
The dividend distribution is available for workers’ compensation customers only.
The policy must be active on January 1 of the distribution year and have maintained 24 months of consecutive coverage.
The client’s loss experience must be less than 50%.
Looking for more competitive pricing options? We offer fl at and variable dividend plans for eligible policyholders.
Flat Dividend Plan
Any dividend for which the account may be eligible according to the plan selected at policy inception. See agency manual for fl at dividend table.
FLORIDA-SPECIFIC DIVIDEND OPTIONS
Variable Dividend Plan
Any dividend for which the account may be eligible shall vary according to the premium size and actual loss experience during the subject policy period. For example, see agency manual and variable dividend table.
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COMPLETE COVERAGE
GENERAL LIABILITYBuilders Mutual’s General Liability (GL) product is now better than ever. Enhancements are automatically added to each GL policy at no charge. Our coverage complies with most construction contractual insurance requirements and allows you to easily issue certificates of insurance. Choose between our standard General Liability and Trade Contractor GL program.
TRADE CONTRACTOR PROGRAMWith our Trade Contractor program, policyholders get the same great coverage at a lower rate. Both residential and commercial trade contractors qualify. Using our easy composite rating, you’ll have a quote ready in no time.
Our Trade Contractor program does not include a subcontracted work property exclusion for the GL (GC2294) or Commercial Umbrella (CU2264).
Trade Contractor Eligibility
Three years of prior experience desired
Annual payroll less than or equal to $1 million (minimum varies by state)
Exterior operations must be three stories or less
Subcontracted work is less than 25% of work, and subcontractors must have CGL coverage with limits equal to or exceeding the Trade Contractor policy
Subject to underwriting eligibility criteria
MULTI-LINING ACCOUNTSAt Builders Mutual, we are here to help you provide the best products to your customers. Our full suite of coverages is designed specifically for the construction industry. Our enhancement endorsements add coverages that make COI issuance a breeze. We are pleased to offer these enhanced coverages for General Liability, Property, and Auto policies. Multi-lining accounts isn’t just a good idea, it is shown to be more effective when retaining accounts and measuring loss ratio. We compared results from the last four operating years and discovered that multi-line accounts perform 5.6% better in retention and 6.1% better in loss ratio than mono-line accounts. Would you like to grow your book of business? Multi-lining with Builders Mutual is something to consider. Review your Agency Snapshot report and work with your Territory Manager to multi-line your existing customers’ accounts with Builders Mutual.
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NOT AVAILABLE IN FLORIDA
COMPLETE COVERAGE
GENERAL LIABILITY COVERAGE Continued
Duties in the Event of Occurrence, Offense, Claim, or Suit
Included
Primary and Noncontributory – Other Insurance Condition
Included
The Blanket Additional Insured – Ongoing and Blanket Additional Insured – Completed Ops/Products are also automatically attached to all GL policies, making COI issuance easier than ever!
AUTO ENHANCEMENT ENDORSEMENT
This form is automatically added to all Auto policies at no charge.
Issuing certificates of insurance is made easy with automatically included Blanket Additional Insureds and Waiver of Subrogation. Primary noncontributory is built into the auto enhancement form. Additional coverages designed specifically for the contractor are highlighted below.
Blanket Additional Insureds Included
Employee Hired Auto:
• Liability
• Physical Damage
Included
Included
Limited Liability Company as an Insured Included
Newly Acquired or Formed Entities Included
Supplementary Payments:• Bail Bonds
• Resonable Expenses Due to Our Request
$3,000
$500 Per Day
Hired Autos Physical Damage: • Loss of Use
Lesser of $50,000 or ACV*
$75 Per Day/$750 Per loss
AUTO ENHANCEMENT ENDORSEMENT COVERAGE
Towing and Labor Private Passenger Types/“Light Trucks”
$75 Per Disablement/$300
Other than Private Passenger Types/“Light Trucks”
$150 Per Disablement/$300
Personal Effects $500
Transportation Expenses – All Vehicle Types
• Temporary Transportation
• Return of Stolen Auto
$75 Per Occurence/$750 Total
$5,000
Rental Reimbursement:
• Private Passenger Type/“Light Truck” $75 Per Day/$750 Per Occurrence
*NOTE VA $20/day, $600 max.
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COMPLETE COVERAGE
COVERAGE ENHANCEMENTSAs we work with you to multi-line accounts and grow your book of business, we are pleased to offer these enhancement endorsements for General Liability, Property, Auto and Hired Auto, and Non-Owned Liability policies.
GENERAL LIABILITY ENHANCEMENT ENDORSEMENT
This form is automatically added to all General Liability and Trade Contractor policies at no charge.
The most common coverages needed to issue a certificate of insurance for contractors are included with our enhancement endorsement, as shown in the highlights below.
AVAILABLE IN ALL STATES
GENERAL LIABILITY COVERAGEBodily Injury – Mental Anguish Included
Off-Premises Care, Custody, or Control Coverage
$25,000
Incidental Medical Malpractice Included
Amendment of Insured Contract Definition Included
Liberalization Clause Included
Unintentional Failure to Disclose Hazards Included
Lost Keys of Others $500 Occurrence/$1,500 Aggregate
Medical Payments $15,000
Broadened Mobile Equipment* Included
Newly Formed or Acquired Organizations Included
Non-Owned Aircraft Included
Watercraft Coverage Enhancement Included
Aggregate Limits Per Project Included
Personal and Advertising Injury – Electronic Publication
Included
Property Damage Liability – Borrowed Equipment
$25,000
Supplementary Payments (Bail Bonds) Enhancement
$5,000
Damage to Premises Rented to You Limit $500,000
Knowledge of an Occurrence, Claim, or Suit Included
Voluntary Property Damage Coverage $5,000 Occurrence/$10,000 Aggregate
Waiver of Transfer of Rights of Recovery Against Others
Included
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*NOTE In VA, street cleaning is considered an auto, not mobile equipment.
AGENT ADVANTAGESHBA MEMBERSHIP (NC ONLY)ABOUT US
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COMPLETE COVERAGE
Electronic Equipment Included
Loan/Lease Gap Coverage Included
Glass Repair Comprehensive Deductible Waived
Waiver of Subrogation Included
Unintentional Omissions* Included
AUTO ENHANCEMENT COVERAGE Continued
OPTIONAL CGL HIRED AUTO AND NON-OWNED AUTO LIABILITY ENDORSEMENT
This form can be added to a General Liability policy for a fl at fee of $200.
• As long as the insured has no existing Commercial Auto policy, simply add this form to the existing General Liability policy.
• Make your contractor happy with just one policy and one bill.
AVAILABLE IN ALL STATES
*NOTE Not included in VA enhancement, this is automatically included in policy.
PROPERTY ENHANCEMENT With Business Income and Extra Expense
This form is automatically added to all Property policies at no charge.
Business Income and Extra Expense is now included on a 12-month actual loss sustained basis. Additional coverages designed specifi cally for contractors are highlighted below.
NOT AVAILABLE IN FLORIDA
PROPERTY ENHANCEMENT COVERAGEArson, Theft, and Vandalism Reimbursement $10,000
Brands and Labels $25,000
Business Income and Extra Expense – Actual Loss Sustained
Valuation:
• Fabricator’s/Manufacturer’s Selling Price Valuation
• Replacement Cost Valuation for Personal Property of Others
Included
$10,000
Fire Extinguisher Recharge Expense $5,000
Fire Department Service Charge $5,000
Newly Acquired or Constructed Property:
• Building
• Personal Property
$1,000,000
$500,000
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Newly Acquired Location – Business Income and Extra Expense
$250,000
Valuable Papers and Records – Cost of Research
$30,000
Property Off Premises $20,000
Non-Owned Detached Trailers $10,000
Outdoor Fences $10,000
Outdoor Signs $10,000
Outdoor Trees, Shrubs, and Plants (Subject to a $1,000 Per Item Limitation)
$10,000
Radio and Television Receiving Equipment $10,000
Refrigerated Property $10,000
Ordinance or Law Coverage:
• Loss to the Undamaged Portion of the Building
• Demolition Costs
• Increased Cost of Construction
Included
$50,000
$50,000
Pollutant Cleanup and Removal $25,000
Property in Transit $25,000
Backup of Sewers and Drains $25,000
Contractors’ Tools and Equipment and Equipment of Others
• Tools in a Locked Vehicle
$5,000
$1,000
Accounts Receivable $25,000
Claim Data Expense $25,000
Computers and Media $25,000
Fine Arts $25,000
Installation Property $25,000
Employee Theft (Including Forgery or Alteration)
$25,000
Computer Fraud $25,000
Lock Replacement $5,000
Money, Securities, and Stamps (Inside/Outside) $5,000
Electronic Data* $2,500
PROPERTY ENHANCEMENT COVERAGE Continued
COMPLETE COVERAGE
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*NOTE Not included in VA enhancement, this is automatically included in policy.
AGENT ADVANTAGESHBA MEMBERSHIP (NC ONLY)ABOUT US
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PROPERTY ENHANCEMENT PLUSWith Business Income and Extra Expense
This form can be added to Property policies to upgrade coverage for a $250 charge.NOT AVAILABLE IN FLORIDA
COMPLETE COVERAGE
UMBRELLA PRODUCT ENHANCEMENT HIGHLIGHTSOur new umbrella rating is not available online. Please note these important underwriting guidelines when submitting an application:
• The Umbrella policy limit can be written up to $10 million.• The minimum retained limit is $10,000.• The General Liability policy must be written with Builders Mutual with minimum limits of
$1,000,000 per occurrence and $2,000,000 aggregate.• Underlying coverage minimum requirements include $1,000,000 Commercial Auto
Combined Single Limit and 500/500/500 for Employer’s Liability.• Commercial Auto and Employers Liability may be written by an AM Best A (Excellent) rated
company with a fi nancial rank of VII as long as the policy is written on an ISO form.• Concurrent policy expiration dates are mandatory for the umbrella and general liability
policies. Concurrency in workers’ compensation, employers liability, and commercial auto policies is preferred.
• An Umbrella Policy Minimum Premium Chart is included online in Rule 39 of the Umbrella Additional Rules sections.
Valuable Papers and Records – Cost of Research
$50,000
Property Off Premises $50,000
Property in Transit $50,000
Backup of Sewers and Drains $50,000
Contractors’ Tools and Equipment and Equipment of Others:
• Tools in a Locked Vehicle
$10,000
$5,000
Accounts Receivable $50,000
Installation Property $50,000
Lock Replacement $10,000
Money, Securities, and Stamps (Inside/Outside)
$10,000
UPGRADED COVERAGE HIGHLIGHTS
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Builders Mutual targets Residential, Commercial, Model Homes, and Remodeling withour One-Shot Builders Risk product. We will write up to $5 million residential and $15 million commercial.
Looking for a fast response? A one-shot with a residential home will flow straight through to issue immediately when it meets these criteria:
• Less than $1 million• Protected classes 1-8• No wind exposure• New construction
When special circumstances apply, the homeowner can be listed as the first named insured. Contact your underwriter for more details.
NOT AVAILABLE IN FLORIDA
BUILDERS RISK ONE-SHOT
COMPLETE COVERAGE
Builders Risk provides flexible, comprehensive coverage during the course of construction. Coverage includes property, scaffolding and temporary structures, theft of materials, and it can include profit. Builders Risk also features coverage that extends beyond the dwelling or structure, such as debris removal, pollution cleanup and removal, and fences, trees, and outdoor property. Coverage is also available for remodelers, unsold dwellings, model homes, and contents.
We offer both reporting form and one-shot options.
REPORTING FORMBuilders Risk reporting forms are currently available for residential builders with more than 10 starts a year. We offer monthly reporting with a monthly rate or an annual rate. For a builder with an average project completion of four months or less, the monthly rate is the best option. Each month the insured reports new locations to be covered, and coverage begins according to the monthly report. Since reporting form ratings are not available online, please contact your underwriter for a quote.
WHY DO YOU NEED BUILDERS RISK?
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Need more coverage? Higher limits are available for additional premium. The following Supplemental Coverages are offered in package form.
BUILDERS RISK ONE-SHOT
COMPLETE COVERAGE
Pro Rata CancellationWe will provide pro rata return on the fi rst year, once the minimum premium ($350) is met. We will provide a full pro rata return in the second year and beyond for residential construction. There is no minimum premium requirement in order to prorate a commercial risk.
RenewalThe one-shot can be renewed beyond 24 months. After each policy period, a renewal offer letter is automatically mailed to the policyholder. If full invoiced payment is not received by the effective date of the renewal offer, the policy will cease.
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Scaffolding $5,000 $25,000 $50,000 $100,000
Debris Removal $10,000 $25,000 $50,000 $100,000
Backup of Sewers or Drains $5,000 $25,000 $50,000 $100,000
Fire Department Service Charge $10,000 $25,000 $50,000 $100,000
Valuable Papers $10,000 $25,000 $50,000 $100,000
Pollutant Cleanup and Removal $15,000 $15,000 $15,000 $15,000
Reward $10,000 $25,000 $50,000 $100,000
Property at Temporary Storage $25,000 $75,000 $150,000 $250,000
Property in Transit $10,000 $25,000 $50,000 $100,000
PREMIUM CHARGE ADDED TO BASE RATE
INCLUDED $125 $250 $500
PACKAGE A PACKAGE B PACKAGE C PACKAGE D
COMPLETE COVERAGE
CLARIFYING OUR POSITIONAs we work with you to write multi-line accounts, we believe it’s important to clarify our position on important topics like Construction Defect and Windstorm Guidelines. The following reference tools were created to help you better understand our position and include criteria we use to evaluate exposures.
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CONSTRUCTION DEFECT CG2294 Removal Consideration CriteriaAs experts in construction insurance, we have a strong understanding of construction defect issues. When considering removal of the CG2294, we vary our approach based on location and risk type.
Our Trade Contractor program does not include a subcontracted work property exclusion for the GL (GC2294) or Commercial Umbrella (CU2264).
NOTE
DC, MD, VA Most favorableGA, NC, TN FavorableFL, MS, SC Least favorable
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COMPLETE COVERAGE
CONSTRUCTION DEFECTWe will partner with you to review each risk according to the guidelines below.
DC, MD, VA and GA, NC, TN
• Commercial Trade Contractors (TC) whose subcontracted work is <50%
• Commercial General Contractors (GC) using 100% insured subs - Prior or current habitational or residential work NOT eligible
• Residential TC whose subcontracted work is <50%
• Residential GC specialized in custom building - Coastal counties NOT eligible - Tract builders NOT eligible
FL, MS, SC
• Commercial TC whose subcontracted work is <50%
• Commercial GC using 100% insured subs - Prior or current habitational or residential work NOT eligible - Residential TC whose subcontracted work is <50%
• NOTE: Residential GCs are not eligible for consideration
The risk must also meet the following criteria:
• Minimum three years of prior insurance coverage and implemented subcontractor agreements for at least three years
• Provide project list with description of the construction type
- DC, MD, VA three-year project list - GA, NC, TN fi ve-year residential or three-year commercial - FL, MS, SC seven-year project list
• No prior construction defect claims (for any type of residential construction)
• Quality control program with daily inspections and punch list signoff
• Risk transfers maintained - Additional insured endorsements CG 2010 07 04 and CG 2037 07 04 or equivalent - Limits equal to our insured’s GL limits of $1M/$2M - 30-day notifi cation of coverage, reduction, or cancellation - Waiver of Subrogation - Retain coverage for at least three years
• General Liability loss ratio not to exceed 50%
• Good fi nancial standing
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WINDSTORM GUIDELINESManaging property exposure in coastal regions is critical. The windstorm maps included apply for both PROPERTY and BUILDERS RISK policies.
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COMPLETE COVERAGE
HWY 113
HWY 13MARYLAND
Beach Area Not eligible for property coverage.
• Assateague Island• Ocean City
Coastal Plain Standard 2% wind deductible.
• East of HWY 113 or 13 (Whichever is nearest the coast)
Inland No wind restrictions.
• Remainder of the state
NOTE Coastal restrictions do not apply to risks with business personal property only valued at $25,000 or less. All submissions subject to UW guidelines and approval.
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Beach Area Not eligible for property coverage.
Less than 1,000 feet from the coast in the following counties:
• Hancock• Harrison• Jackson
Coastal Plain Not eligible for wind coverage.
• Hancock• Harrison• Jackson
• George• Pearl River• Stone
Inland No wind restrictions.
NOTE Coastal restrictions do not apply to risks with business personal property only valued at $25,000 or less. All submissions subject to UW guidelines and approval.
• Remainder of the state
MISSISSIPPI
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NOTE Coastal restrictions do not apply to risks with business personal property only valued at $25,000 or less. All submissions subject to UW guidelines and approval.
Beach Area Not eligible for property coverage.
• Outer Banks
Coastal Plain Not eligible for wind coverage.
Inland East Standard 2% wind deductible.
Inland West No wind restrictions.
• Remainder of the state
• Beaufort• Brunswick• Camden• Carteret• Chowan• Currituck
• Beaufort• Brunswick• Camden• Carteret• Chowan• Currituck
• Dare• Hyde• New Hanover• Onslow• Pamlico• Pasquotank
• Dare• Hyde• New Hanover• Onslow• Pamlico• Pasquotank
• Pender• Perquimans• Tyrrell• Washington
• Pender• Perquimans• Tyrrell• Washington
Less than 1 mile from the coast in the following counties:
Greater than 1 mile from the coast in the following counties:
COMPLETE COVERAGE
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NORTH CAROLINA
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SOUTH CAROLINA
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Beach Area Not eligible for wind coverage.Rule: These are eligible for the wind pool and as a result are not eligible for Wind coverage with BMIC. Visit www.scwind.com/EligibilityCheck.asp to verify eligibility.
• Horry
- East of HWY 17 business or bypass (whichever is further west)
Coastal Plain Standard 2% wind deductible.
• Horry• Georgetown• Charleston
• Colleton• Beaufort
NOTE Coastal restrictions do not apply to risks with business personal property only valued at $25,000 or less. All submissions subject to UW guidelines and approval.
• Colleton
• Georgetown
• Beaufort
• Charleston
- East of the Intracoastal Waterway from the northern border of the City of Charleston to the Georgetown County border
- Edisto Island, Edingsville Beach, Kiawah Island, Botany Bay, Folly Island, Seabrook Island, Morris Island
- East of the Intracoastal Waterway
Inland No wind restrictions.
• Remainder of the state.
COMPLETE COVERAGE
Coastal Plain and Inland East zip codes detailed below.
NOTE
VIRGINIA
Beach Area Not eligible for property coverage.
• Accomack• Northampton
Coastal Plain Not eligible for property coverage.
Inland East Not eligible for property coverage.
Inland West No wind restrictions.
• Remainder of the state.
• 23451• 23456• 23457
• 23455• 23503• 23511• 23518• 23607
• 23459• 23461
• 23651• 23661• 23662• 23663• 23664
• 23669• 23692• 23696• 23703
Less than 2 miles from the coast in the following zip codes:
Less than 2,000 feet from the coast in the following zip codes:
NOTE Coastal restrictions do not apply to risks with business personal property only valued at $25,000 or less. All submissions subject to UW guidelines and approval.
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MOST COMMONLY USED FORMSWC Waiver of Subrogation Add using form WC 000313. No Charge
WC Blanket Waiver of Subrogation
Add using form WC 9801.NC add using form WC 000313.
No Charge
WC Notice of Cancellation Add using form WC 3206. No Charge
GL Enhancement Automatically added form CG 7051.
VA – CG 7055
Provides coverage for:• Aggregate Limits Per Project• Primary Noncontributory • Waiver of Subrogation
Please review enhancements for further coverages and limits.
No Charge
GL Hired Auto and Non-Owned Liability
Add using form CA 7049.
• Paired with the GL policy when no commercial auto policy exists. Will
eliminate a bill and streamline coverage.
$200
GL Waiver of Subrogation Add the certificate holder specifically if the blanket version in the the enhancement listed above is not acceptable.
$250
GL Named Additional Insured
Ongoing Operations Add a certificate holder with form CG 2010.
Products-Completed Operations Add a certificate holder with form CG 7026 (CG 2037 equivalent).
$50
$25
GL Blanket Additional Insured
Both automatically included with Enhancement CG 7051.
Ongoing Operations Automatically added to every policy using form CG 7034 (CG 2010 equivalent).
Products-Completed OperationsAutomaticaly added to every policy using form CG 7024 (CG 2037 equivalent).
No Charge
No Charge
GL 30-Day Notice of Cancellation
Can be added to policies with good payment history using form IL 6006.
No Charge
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COMPLETE COVERAGE
Auto Enhancement Automatically added form CA30 00 (CA 30000714sc for SC).
SC – CA 30000714scVA – CA 30 00 07 14VA
Provides coverage for: • Blanket Additional Insured/
Primary – Noncontributory • Glass Repair • Waiver of Subrogation (Blanket)
Please review enhancements for further coverages and limits.
No Charge
Auto 30-Day Notice of Cancellation
Can be added to policies with good payment history using form IL 6006.
No Charge
Auto Named Additional Insured
Can add using form CA 2048. No Charge
Property Property Enhancement Standard
Property Enhancement PLUS
Property Enhancement with Business Income and Extra Expense. Automatically attached.
SC, TN – IL1601NC – IL6014MD – IL6022DC, GA, MS – IL6018VA – IL6025, IL6027
Provides the following:• Business income and extra expense – 12-month ALS • Installation property • Contractors’ tools and equipment of others• Backup of sewers and drains • Property in transit
Enhancement Plus with Business Income and Extra Expense.
SC, TN – IL6011 NC – IL6015 MD – IL6023 DC, GA, MS – IL6019 VA – IL6026, IL6028
Provides higher limits on 10 additional coverages beyond those offered in the standard enhancement including:
• Valuable Papers and Records (Cost of Search)
• Property Off Premises – Property in Transit • Accounts Receivable – Installation Property • Backup of Sewer and Water • Contractors’ Tools and Equipment and
Equipment of Others • Money, Securities, and Stamps
(Inside/Outside)• Lock Replacement
Please review enhancements for further coverages and limits.
No Charge
$250
MOST COMMONLY USED FORMS Continued
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MONTHLY SELF-REPORTING FOR WORKERS’ COMPENSATIONWith our convenient system of monthly reporting, a customer’s monthly premium is based on actual payroll from the previous month. Premiums are in proportion to the actual amount of work in progress, eliminating large unexpected audits.
Here’s how it works:• Customers pay the 15% deposit* plus the expense constant when submitting their application.
• Each month, customers log in to buildersmutual.com and enter their payroll. Premium due is automatically calculated, ensuring payment of the exact amount owed.
• If paper is preferable, customers manually calculate their payroll and mail their report. Payments can be accepted via check, through our Customer Contact Center (800-809-4859), or online.
*The 15% deposit is adjusted annually at renewal and is retained only to apply toward premium in the event of termination.
BILLING
Builders Online Business makes billing easy. Your policyholders can register to use our online platform by visiting buildersmutual.com/policyholders. After creating a user ID and password, they can:
• Pay bills• Register for Auto-draft• Enter workers’ comp monthly payroll• View policy documents• Enroll to go paperless
NOTE Policyholders may ONLY change payment plans at policy renewal.
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ONLINE TOOLS
20% of total (premium + expense constant) is due at application, and customer is billed the remainder over nine installments.
25% of total (premium + expense constant) is due at application, and customer is billed the remainder over three installments.
50% of total (premium + expense constant) is due at application, and customer is billed the remainder in the fi fth month, with payment due the sixth month.
A full year’s premium is due at application. This is required when minimum premium is less than $1,000.
PAYMENT PLANSBuilders Mutual offers a variety of fl exible payment plans, including:
BILLING
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10-PAY
4-PAY
2-PAY
ANNUAL
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CUSTOMER CONTACT CENTERBuilders Mutual’s Customer Contact Center is available Monday through Friday, 8 a.m. to 6 p.m. ET. When you call 800-809-4859, a trained Customer Service Representative will serve as a central point of contact for all your basic agency and customer inquiries, including:
We now have an express payment line for policyholders and agents who want to quickly make payments by phone.
• Audit information • Billing inquiries• Commissions• Dividends
• HBA membership requirements • Payments • Policy documents • Status of policy changes
RISK MANAGEMENTCustomers can depend on Builders Mutual Risk Management experts to:
• Discuss their operations during a job-site safety visit and help them identify possible risks and exposures
• Recommend straightforward, easy-to-implement solutions to minimize losses and promote OSHA compliance
• Demonstrate proper usage of safety equipment
• Partner with customers to develop a safety or education program tailored to their company’s needs
Risk Management Consultants are assigned according to the county in which the policy is written and can be located using the “Find a Risk Management Consultant” tool on buildersmutual.com.
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SERVICES
Risk Management Online ResourcesBuilders Mutual maintains a robust collection of online resources to help customers develop a culture of safety. Customers can visit buildersmutual.com/RM to access:
WORKSAFE 101Statistically, new employees, especially those who have been on the job for less than six months, have a greater chance of being exposed to a serious injury or fatal accident. This is why it is essential that employers provide workers with basic safety training before they ever step foot on a job-site.
To promote a culture of safety, Builders Mutual developed WorkSafe 101, a compact but critical introduction to best practices on the job-site. Whether customers have one new employee or a small group of workers starting, training materials are available to educate, review, and sign off on the eight key topics that every employee should know BEFORE stepping on the job-site. Download these materials at buildersmutual.com/worksafe.
Short safety talks that can be discussed in regularly scheduled safety meetings
A series of safety videos available to watch from the convenience of a mobile device, tablet, or larger monitor
Includes Accident Report and Investigation Forms, Job-site Inspection Forms, Drug and Alcohol Policy Forms, and sample Subcontractor Agreements
Links to industry safety resources, including the National Safety Council and Occupational Safety and Health Administration (OSHA)
Sample safety modules available to help customers develop a detailed Safety Program that addresses specific work-related hazards, as well as hazards that could result from a change in practice or conditions on the job-site
TOOLBOX TALKS
TOOLBOX VIDEO TALKS
SAFETY POLICY
SAFETY LINKS
SAFETY PROGRAM
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Builders Mutual created Builders University® to help strengthen our customers’ safety programs and address risks that impact their profi ts. We offer a variety of standard courses as well as the knowledge and expertise to create custom classes that meet our customers’ needs. Some of our core classes include:
• OSHA 10- and 30-hour Construction Industry Safety Courses• Fall Protection• WorkSafe 101: Best Practices for Hiring and Job-Site Safety Training• Defensive Driving Course (DDC-4)
Visit buildersmutual.com/BU for details.
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AUDITSWith Builders Mutual by your side and a little advance planning, premium audits can be simple. As part of our dedication to providing our policyholders with the best service possible, we want to help your customers be prepared with the proper records and a thorough understanding of the process, making their premium audit as efficient as possible. We created an audit kit as a tool to help them:
• Learn what records to provide• Get ideas on organizing records• Understand retention guidelines for certain records• Get insight into common audit questions on remuneration and class codes• Identify tips on working with subcontractors
Visit buildersmutual.com/audit for details.
CLAIMS
To Report a Claim
Call 800-809-4862, and be connected with a representative.
Log in to buildersmutual.com to report a claim online.
Email [email protected].
Fax 919-227-0204.
To Manage Claims Call Claims Support 800-809-4861.
Review the Claims SnapshotThis report provides your agency with a complete overview of all claims. To access this report, log in to buildersmutual.com, select My Claims, then View the Snapshot.
AGENT OF RECORD CHANGESNew Business Agent of Record requests on new policies must be accompanied by the following:
• Completed applications (signed by a licensed agent and the policyholder due at binding)• Completed contractor supplement• Currently valued loss runs for the past three years• Agent of Record letter signed by the policyholder (not subject to a rescission period)
Renewals Agent of Record change requests on existing policies must be accompanied by the following:
• Completed applications (signed by a licensed agent and the policyholder specifying the policy numbers to be transferred)
• Agent of Record letter signed by the policyholder (subject to 10-day rescission period)• Requests should be submitted no sooner than 90 days prior to the renewal date and no later
than the effective date.• No requests will be accepted midterm. All requests will be effective at the next renewal.
SERVICES
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NOTE In MD, contact your Underwriter for state-specific AOR guidelines.
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HBA MEMBERSHIP (NC ONLY)
Back in the early 1980s, builders in North Carolina had diffi culty accessing affordable workers’ compensation insurance. For this reason, the North Carolina Home Builders Association (NCHBA) established a self-insured fund for its members. When it was created, HBA membership was a key requirement for all policyholders. Nearly 15 years later, the fund evolved into an independent mutual insurance company, and Builders Mutual was born.
Since then, Builders Mutual has grown to insure nearly 40% of all residential general contractors in the state of North Carolina. Over the years, we have expanded into additional states and built partnerships with various industry associations. As we grow, we never lose sight of our roots and maintain strong ties with the NCHBA. We remain exclusively dedicated to the construction industry, and we understand the value of an HBA membership. We were founded by members, and we’re here to insure eligible members.
Why Does Builders Mutual Require an HBA Membershipfor North Carolina Policies?
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TOP FOUR BENEFITS OF MEMBERSHIP
HBA ExpresswayBuilders Mutual tracks membership through an online system called My HBA Expressway. The Expressway allows the 60 local HBAs across the state to log in and audit our NC policyholders. Each NC agency has access to the Expressway as well. When you log in and click on My HBA Expressway, you can:
• View your policyholder’s HBA payment status• Chat with Builders Mutual and the HBA through a unique messaging system
How does it work? 1. The local HBA notifi es Builders Mutual when the policyholder’s membership status is
unpaid. This occurs when the policyholder has not paid renewal dues or fails to join as a new member once the new policy is active.
2. When the policyholder is marked unpaid, the producer assigned to the account receives an email. This email alerts the producer that the policyholder has unpaid dues.
• After 14 days, if the dues remain unpaid, Builders Mutual will mail a courtesy letter to the policyholder. This letter alerts the policyholders that they have 30 days to comply before their policy is in jeopardy of cancellation. The producer receives a copy of the courtesy letter via email.
• After 30 days, if the dues remain unpaid, Builders Mutual will non-renew the policy.
A complete list of North Carolina local HBA chapters and their contact info is available on buildersmutual.com.
HBA MEMBERSHIP (NC ONLY)
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3-in-1 Membership
When you join your local association, you automatically become a member of all three levels of the NAHB federation: local, state, and national. That’s three memberships for the price of one.
A Voice As your advocate in your local area, Raleigh, and in Washington, D.C., the association constantly develops and provides top-notch legislative and regulatory representation on behalf of the home building industry. These actions help defl ect excessive regulations and defend affordable housing.
Networking and Leads
Your local HBA will provide invaluable networking opportunities to meet other professionals in your local community. HBAs promote doing business with members, and each networking event is an opportunity to gain a new business lead.
Savings
NCHBA members are eligible for discounts and rebates through two programs:
• The NCHBA Member Rebate Program is designed to reward members for loyalty by specifying the manufacturers to your subcontractors. No receipts are needed, and the average rebate per Builders/Remodelers in 2015 was over $1,100.
• The NAHB Member Advantage Program provides members with various discounts on cellular services and GMC vehicles as well as an additional daily 2% discount on your Lowe’s Home Improvement accounts receivable purchases and more.
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AGENT ADVANTAGES
Our online platform allows you to quote, sell, and service policies with ease. There are several online tools available to help you better manage your overall account with Builders Mutual.
Access to Builders Online Business is only available to agents actively appointed with Builders Mutual. Visit buildersmutual.com/agents to register for access or to log in and get started on these features:
Quote and Manage Policies Rate, quote, issue, and service your policies. In this section, you can also:
• Upload workers’ compensation policies with AMS360, Sagitta, Applied, and IVANS Transformation Station.
• Message with your underwriter on specific quotes.
• Pay new business, installments, and renewals. When submitting payments, remember to use these forms:
- New Business Premium Allocation form - One-Time Payment Authorization form
• Service all of your policies in one place with policy, billing, and claims inquiry.
My Agency Snapshot Review a detailed report of your agency’s book of business with prior month or prior year figures.
My Producer Listing View your agency’s appointed producers and see resident and non-resident status.
My HBA Expressway (NC Only) Review membership status for NC policyholders.
My Commissions Register for electronic funds transfer (EFT) of your monthly commission payment, and access current and prior statements. Statements are only accessible by one login ID and require an additional personal identification number (PIN).
My ClaimsAccess key information on open and closed claims. This report is updated daily.
Agency Manual Review this online manual that includes each state’s rules, underwriting guidelines, rates, and forms.
Your Support Team View your agency’s assigned sales and underwriting contacts. Photos and contact information are provided for the Territory Manager, Mid-Market UW, Express Account UW, and Agency Service Rep.
Agent NewsStay up to date with Agency Alerts, press releases, and newsletters.
Marketing MaterialsReview and request customized marketing materials to promote and grow your business.
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AGENT ADVANTAGES
SPECIAL RECOGNITION PROGRAMSChampions Club
Champions Club recognizes our profitable partner agencies with over $750,000 in premiums. This select agent group will have access to special recognition programs, advertising opportunities, and unique service and sales support. Champions Club agents are announced each January and are recognized for the entire calendar year. Agents must qualify each year to earn and maintain Champions Club status.
Builders Reserve
Builders Reserve recognizes the top individual Builders Mutual agency partners across our market footprint. These agencies represent Builders Mutual’s “Best of the Best” and merit an additional level of recognition and support by Builders Mutual leadership and staff. Builders Reserve agencies are announced each January and are recognized for the entire calendar year. Agents must qualify each year to earn and maintain Builders Reserve status.
BECOME A CERTIFIED BUILDERS INSURANCE AGENTIn 2003, Builders Mutual developed Builders University as an educational tool to serve agents, policyholders, and employees. Since its inception, Builders University has experienced continuous growth, from the number of classes we offer to the cities and states in which we provide them. Each year, we offer courses in several locations that we rotate, so that over time we travel across our entire market footprint.
The Certified Builders Insurance Agent (CBIA) designation was created with you, our agency partner, in mind. Each of the six courses provide up-to-date information on current trends in construction insurance. If there’s a coverage contractors need, Builders University will make sure you understand it inside and out. We provide the risk management foundation, translate the policy language, and interpret the case law, so you can focus on building your book of business. Every course is free and provides 3.5 hours of continuing education (CE).*
Interested in earning your designation? The process is simple:1. Complete six 3.5-hour courses (and earn free CE). 2. Take and pass the CBIA exam.
*Approved for CE in FL, MD, MS, NC, SC, TN, and VA
(course length may vary according to state requirements).
CO-OP ADVERTISING PROGRAMAs a valued agency partner, we encourage you to take advantage of our Co-op Advertising Program to market your agency in the local community. From print advertising to promotional giveaways and event sponsorships, Builders Mutual will cover half the cost. Signing up is easy.
1. Visit buildersmutual.com/agents/marketing_materials and review the co-branded Marketing Materials readily available.
2. Contact the Marketing Department or email [email protected] to request co-op support. Prior approval is required.
3. The agency will pay for the advertisement or sponsorship in full. Builders Mutual will reimburse the agency 50% of the total advertising cost (up to a specific dollar amount per calendar year).
Additional incentives are available for Builders Reserve and Champions Club agencies.
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GESPO Box 150005 Raleigh, NC 27624 | 800-809-4859 | buildersmutual.com STAY CONNECTED