Searching for insurance to cover Homebuilding and Residential Development? You’ve come to the right place! Beach & O’Neill Insurance Associates, Inc. has exclusive programs for residential developers and new residential construction. Examples of special coverages we can provide for our builder clients include:

• General Liability and Excess Liability coverage
  
  
• Project Specific Policies and WRAP policies
  
  
• Owners Contractors Protective liability for land developers and project owners
  
  
• Course of Construction insurance for new homes under construction
  
  
• Sub-division Improvement Bonds and Department of Real Estate bonds
  
  
• General Liability for homebuilders subbing out 100% of their work.
  
  

In addition to these special programs, we also place business with the majority of surplus lines carriers that write general liability insurance for Homebuilders and Developers in California. When purchasing liability coverage for your business, we can provide you with a selection of carriers from which to choose your coverage.

Your business is unique, and so is the Service we provide your account. Writing Homebuilders and Developers requires extensive knowledge and experience to properly manage risk. Every Homebuilder or Developer should understand the importance of managing and transferring risk, including:

Risk Transfer from the General Contractor to the Sub-contractor through:

• Importance of written insurance requirements
• Properly worded insurance requirements
• Importance of a written sub-contract agreement
• Use of additional insured endorsements

Evaluating the quality of your sub-contractors insurance and how it affects your business:

• Understanding your sub-contractor’s insurance
• Auditing your sub-contractor’s certificates of insurance for accuracy
• Understanding the common limitations found in California sub-contractor policies

The Services we provide our homebuilder and developer clients include assisting you in evaluating the importance of transferring risk, identifying gaps in your insurance coverage, understanding your sub-contractor’s coverage and providing you with coverage options for protecting your business. Some of the programs our agency represents even offer information to assist you in complying with SB800 (“The Right to Repair Law”), and provide risk management tools designed to reduce litigation through the use of home warranties and binding arbitration. Our on line Course of Construction premium rater offers a non-binding price indication. We can offer coverage and provide you with a printed policy in one day.

Beach & O’Neill Insurance Associates, Inc. is committed to providing quality insurance products and services to our Builder clients. To discuss your insurance needs and the services we can provide on your account, please contact our office at 1-800-640-0123, or complete an online quote request form. An agent will contact you to listen to you and provide coverage options based on your specific business operations.