• Risks in designated Fire Brush Areas
• Manufactured Homes
• Risks that are not residential dwelling or outbuildings. (i.e. bridge, dam, tunnel, roadwork, silos etc…).
• Risks over 1.5 million in values (Manual submission basis only)
• Risks that have been "started" more than 60 days prior to the proposed effective date of the policy.
• Risks with Projects Builder/Contractor with more than 3 builders' risk claims in the past 3 years.
• Risks with loss ratio for the Projects Builder/Contractor of more than 50% in the past 3 years.
• Risks where the project's builder/contractor been in business as a homebuilder or remodeler for less least 2 years or proposed builder/contractor has less than 2 years of experience as a construction manager or supervisor.
• Risks where the remodeling is being done as a result of prior property damage (i.e. flood, earth movement, fire or water damage).
• Risks with "unique" building methods or materials. (i.e. fabric structures, earthen materials etc…)
  
  Eligible Classes
  
• Most Residential Builder's Risk except above exceptions.

Great American provides Builder's Risk/Course of Construction coverages for Owner/Builders, Contractors & Developers building or remodeling residential Dwellings. The can be Individuals, Corporations, Limited Partnerships, Joint Ventures or LLP's. Dwellings (1 to 4 family) are allowed in all protection classes (1 through 10) The maximum allowable exposures allowed are 1.5 million. Minimum premium is $750 for all states. Replacement Cost Valuation is included.

Policies may be written for one year and renewed annually.

• Tract work can be done by Great American but multiple dwellings on one policy must be manually submitted. Quick & easey. See Underwriter for instructions.
• Needs to have a B Licensed Contractor. If yes, can put this in Ineligible risks area.
• Number of stories allowed? Can put this in Ineligible risks area also.
• The project's builder/contractor must have been engaged principally (75% or more) in the construction and/or remodeling of one to four (1-4) family dwellings for the past 2 years.
• Covers building material 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 and construction forms used at any construction premises covered by this coverage form.
• Automatic Additional coverages: Are these the same as their original COC program. If yes, I can add them here.

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

• Project type (Is it New construction, Remodeling/Renovation with no existing structure coverage or Remodeling/Renovation with existing structure coverage).
• Must be a residential structure. (Commercial not available at this time - It is a manual submission to Underwriter).
• The state that the project is in.
• The protection class where the project is to be located.
• Whether the project is in a designated brush area.
• The construction type of the project (i.e. wood frame, joisted masonry, non-combustible or better, log home or manufactured home)
• The value of the New construction or Remodeling/renovation, and, if the applicant wants the coverage, the value of the existing structure.