As a home builder, you have unique insurance needs. Capitol City Insurance has been working with home builders, developers and trade contractors for many years to provide those specific types of insurance. We are a member of the Texas Association of Builders (TAB) endorsed Builder Agent Network and work with the best insurance companies that write insurance for the home building industry in Texas.
Insurance policies are one of the ways to protect your company, however, you should consider using contracts with any subcontractors you may use. Additionally, you should require those subcontractors to carry insurance policies that have limits equal to the level of coverage you have.
Cost is a factor when considering your insurance program, and there are several key factors in determining those costs.
A question that is commonly asked is about “Construction Defect” Insurance. Defects themselves are rarely covered, although the resulting damage from that defect may be covered by a Commercial General Liability Policy, however, many of them do not.