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Great American Insurance’s specialized coverage extensions include:

• Removing the per item limit for lawns trees and shrubs
• $50,000 additional coverage for restoring air quality (in spaces over 25,000 square feet)
• Building Commissioning additional costs
• Fees for re-certification and registration
• Public Utility additional expense
• $50,000 Recycling Expense
• If Soft Costs/Rents coverage is purchased, additional time in the “period of delay in completion" is given, when necessary to meet the certification incorporated into the building design

General Program Information

Great American provides Builder’s Risk/Course of Construction coverages for Owners & Builders, Contractors & Developers who are building or remodeling residential dwellings. Dwellings (1-6 family) are allowed in all protection classes (1-10). Competitive minimum premium per state. Replacement Cost Valuation for new construction is available.

Additional Policy Options

Reporting Form

• Insured submits report each month regardless if there are starts or not
• Coinsurance is 100%
• Per start Example: Location started Februrary and reported on that Februrary report, does not need to be reported again until February of the following year. Report once a year in Februrary until location is complete. Once completed, no need to report unless it is now a home in inventory. Annual per start rates apply.
• Monthly reporting Example: Location started Februrary and reported on that Februrary report, report the location each month under construction at the estimated completed value until construction is complete. Once completed, no need to report unless it is now a home in inventory. Monthly reporting rates apply.

Annual Auditable

• No monthly reporting
• Coinsurance is waived
• Requires minimum of 3 starts per policy period
• Includes: model homes, homes in inventory, construction trailers
• Insured completes and submits simple audit form at end of policy term
• Limits may be requested and will be charged accordingly

Rating Information

The rating information needed to develop a price indication is as follows:

• Project type, for a residential structure: New construction, Remodeling/Renovation with or without existing structure coverage.
• State where project is located.
• Protection class for project location.
• Whether or not project is in a designated brush area.
• Construction material type of the project (wood frame, joisted masonry, non-combustible or better, log home or manufactured home).
• Value of the new construction or remodeling/renovation & existing structure.
• Applicant’s interest in coverage.
• Contractors’ name and license number.
• Risk address.
• Proposed effective dates.
• Description of project.

Great American Insurance can always add more coverage onto your policy at an additional cost.

Basic Policy Coverage:

• Building Materials and Supplies
• Equipment and Machinery
• Fixtures
• Foundations and Excavations
• Underground Pipes and Drains
• Paving
• Pilings and Fences when intended to become a permanent part of the structure
• Temporary Structures
• Scaffolding
• Construction Forms used at any construction premises covered by coverage form

Additional Coverages Automatically Included:

• Debris Removal
• Valuable Papers and Records
• Outdoor Trees, Shrubs and Plants
• Fire Department Service Charges
• Pollutant Clean Up and Removal
• Covered Property in Transit
• Covered Property at a Temporary Storage Location

Other optional coverages:

• Renovation
• Model Homes and Contents
• Homes in Inventory
• Trade-in Homes
• Change Order Coverage
• Permission to Occupy
• Inflation Expense
• Extra Expense - Soft Costs
• Removal to Safe Location
• Homebuilders Green Building
• Homebuilders Extended
• Additional Living Expense
• Subdivision/Development Property

Deductible Available options starting at $1,000 Risk Canceled or Non-renewed Please refer any risk that has been canceled or non-renewed to Builders & Tradesmen’s Insurance Services prior to submission. We ask that full information regarding the reason for cancellation or non-renewal and the conditions or preventive steps taken by the applicant be provided. Please contact your program underwriter for payment options and conditions. Full annual premium - The producer may withhold commission and remit net payment in full. Certificates of Insurance Evidence of insurance can be provided by the agent. Loss Payee For Loss Payee documentation please fax the request to 916.772.9292. Great American Insurance Group, 580 Walnut Street, Cincinnati, OH 45202. Coverage description is summarized. Refer to the actual policy for a full description of applicable terms, conditions, limits and exclusions. Policies are underwritten by Great American Assurance Company and Great American Insurance Company of New York which are authorized insurer(s) in 50 states and the District of Columbia.