What is the maximum capacity available for Builders Risk coverage?

NextGuard Insurance offers Builders Risk capacity up to $100M per project ($50M for wood frame construction) through AM Best A- or better rated carriers via CRC Insurisk.

What types of construction projects are eligible for Builders Risk coverage?

Eligible projects include new construction, renovations, excess and single peril excess, and midterm projects across real estate, healthcare, hospitality, government/institutional, manufacturing, and warehousing occupancies.

What construction insurance products are available beyond Builders Risk?

Available products include GL Practice policies, GL Project Specific policies, Wrap policies (OCIP/CCIP), Professional Liability for Architects and Engineers, Pollution Liability, Builder's Risk, Seller's Interest, Discontinued Operations, and Deductible Buy Down programs.

Does NextGuard offer coverage for high natural catastrophe peril areas?

Yes. High Hazard Natural Catastrophe Peril coverage is available up to $25M, covering projects in wind, flood, and other cat-exposed zones.

Specialty Construction Insurance

Builders Risk
Coverage Built for
What You're Building.

Q: How quickly can NextGuard quote a Builders Risk submission?

NextGuard Insurance targets a 48-hour quote turnaround for qualified Builders Risk submissions.

Up to $100M in capacity through AM Best A- or better-rated carriers. New construction, renovations, high-hazard cat perils, and specialty occupancies — nationwide.

$100M

Max Capacity

$25M

Cat Peril Capacity

48hr

Quote Turnaround

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48-hour turnaround. AM Best A- rated carriers.

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What We Cover

Four Walls. Every Stage.
Every Risk.

Our Builders Risk Plus program focuses on four-wall building construction at every phase — from ground break to completion.

New Construction

Ground-up projects from foundation to final inspection. Ground-up capacity up to $100M with AM Best A- rated carriers nationwide.

Renovations

Occupied and unoccupied renovation projects including tenant improvements, gut rehabs, and historic restorations.

Excess & Single Peril Excess

Excess layer capacity over primary programs and single-peril solutions for wind, flood, and earthquake in high-hazard zones.

Midterm Projects

Coverage for projects already under construction that need new or replacement coverage mid-build — no gap in protection.

High Hazard Cat Perils

Up to $25M for projects in high natural catastrophe peril zones including hurricane, wind/hail, and flood-exposed coastal and inland sites.

Wood Frame Construction

Up to $50M capacity for wood frame construction — a segment many carriers restrict or decline. Lead market or quota share participant.

$100M

Maximum program capacity per project through exclusive AM Best A- or better-rated carrier facilities via CRC Insurisk.

100% Ground Up Programs or Quota Share Participant
Lead Market or Follow Market capabilities for complex risks
Proprietary Completed Value Policy Form for accurate coverage
Top-rated domestic carriers — fully underwritten and managed
Nationwide coverage available across all 50 states
Exclusive capacity available only through select producers

Target Occupancies

Built for the Industries
That Build America.

Our Builders Risk program covers the full spectrum of commercial construction occupancies — from luxury hospitality to industrial manufacturing.

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Real Estate

🏥

Healthcare

🏨

Hospitality

🏛

Government / Institutional

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Manufacturing

📦

Warehousing

Full Construction Program

Beyond Builders Risk.
Complete Construction Coverage.

NextGuard places the full spectrum of construction insurance through RT Specialty's Construction Practice — tailored for owners, developers, GCs, and artisan contractors.

General Liability

GL Practice & Project-Specific Policies

GL Practice policies for General Contractors, Construction Managers, and Artisan Contractors. Project-specific GL programs for Owners, Developers, and General Contractors on individual projects.

Wrap Programs

OCIP / CCIP Wrap Policies

Owner-Controlled and Contractor-Controlled wrap policies for ground-up construction, condo conversions, rolling wraps, and partially completed (distressed) projects.

Professional Liability

Architects & Engineers E&O

Professional Liability on a project-specific basis or annual policy format for Architects and Engineers. OPPI placements also available for design-build and mixed design/construction teams.

Environmental

Pollution Liability Programs

Annual, project-specific, or rolling Pollution Liability programs for contractors and developers. Covers remediation, third-party bodily injury, and property damage from pollution events on and off-site.

Specialty Lines

Seller's Interest & Discontinued Operations

Seller's Interest coverage for developers with sold or transferred projects. Discontinued Operations policies for completed projects with ongoing liability tail exposure.

Cost Management

Deductible Buy Down

Deductible Buy Down programs to reduce out-of-pocket exposure on large deductible Builders Risk and GL policies — improving cash flow predictability on major projects.

Project Screener

Find Your Coverage
in 60 Seconds.

Answer 4 quick questions and we'll tell you exactly which program fits your project — and what to prepare for your submission.

What type of construction project is this?

What is the project's estimated construction value?

What is the primary occupancy type?

Is the project in a coastal or high cat-peril zone?

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Your Project Qualifies.

Based on your answers, your project is eligible for our Builders Risk Plus program. We'll match you with the right coverage structure and carrier from our AM Best A- rated panel.

📞 Call 754-337-9710 ✉ Email for Quote

Common Questions

Frequently Asked
Questions.

NextGuard places Builders Risk through CRC Insurisk with capacity up to $100M per project ($50M for wood frame). High Hazard Natural Catastrophe Peril coverage is available up to $25M for coastal and cat-exposed projects.

Yes. Midterm project coverage is available for construction projects that need new or replacement Builders Risk coverage mid-build. We can typically bind coverage without requiring a project restart.

All Builders Risk placements are through AM Best A- or better-rated domestic carriers via the CRC Insurisk program — a fully underwritten and managed facility with proprietary policy forms.

Yes. Through RT Specialty's Construction Practice, NextGuard can place Owner-Controlled (OCIP) and Contractor-Controlled (CCIP) wrap policies for ground-up construction, condo conversions, rolling wraps, and distressed/partially completed projects.

Yes. Our program specifically addresses high natural catastrophe peril exposure — including coastal Florida wind and flood zones — with up to $25M in cat peril capacity. This is a segment where many standard markets decline or impose severe restrictions.

NextGuard targets a 48-hour quote turnaround for qualified Builders Risk submissions. To expedite, have the project address, construction value, occupancy type, project timeline, and contractor details ready when you reach out.

Location

3000 S Ocean Drive

Hollywood, Fl. 33019

Contact

Builders RiskCoverage Built forWhat You're Building.

Four Walls. Every Stage.Every Risk.

Built for the IndustriesThat Build America.

Beyond Builders Risk.Complete Construction Coverage.

Find Your Coveragein 60 Seconds.

Frequently AskedQuestions.

Ready to Protect Your Project?