BMI Agent Quick Reference Guide

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ABOUT US

COMPLETE
COVERAGE
BILLING

POLICYHOLDER
SERVICES

AGENT
SERVICES

AGENT QUICK REFERENCE GUIDE
VERSION TWO

HBA MEMBERSHIP
(NC ONLY)

2019

BOUT US
ABOUT US

COMPLETE
COVERAGE
BILLING

ABOUT US

POLICYHOLDER
SERVICES

AGENT
SERVICES

HBA MEMBERSHIP
(NC ONLY)

ABOUT US
COMPLETE
COVERAGE
BILLING
POLICYHOLDER
SERVICES

ALL THAT OUR
CUSTOMERS
DO IS ALL THAT
WE DO, TOO.

Builders Mutual values its responsibility to protect residential,
commercial, and trade contractors and offers unparalleled
service and relationships. Headquartered in North Carolina,
Builders Mutual provides insurance coverage exclusively to
the construction industry throughout the Mid-Atlantic and
Southeast. It’s not just our specialty. It’s all we do. We have
a history with the North Carolina Home Builders Association
and maintain strong partnerships with various industry
associations. From the groundbreaking to the ribbon cutting,
we stand by our customers, helping them avoid risks and
ensuring they enjoy a job well done.

AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)

ABOUT US

Builders Mutual provides a complete range of coverage options for residential,
commercial, and trade contractors, including:
• Crime
• Auto
• Builders Risk
• Umbrella

The following coverage options are available for contractors in Florida:
•
•

Workers’ Compensation
General Liability*

•
•

Inland Marine*
Umbrella*

MARKET FOOTPRINT

JOB-SITE SAFETY INSTITUTE
The Job-Site Safety Institute (JSI) is a nonprofit organization that was founded
and initially funded by Builders Mutual as a research and educational organization
dedicated to eliminating job-site-related injury and death in the construction
industry. The JSI vision is to provide practical safety solutions that save lives.
Incorporated in 2014, JSI brings together educational institutions and industry
leaders to help increase awareness of construction site dangers. The research
conducted by JSI will produce studies that guide safety practices, set new
standards, and influence worker behavior on job-sites.

NOTE
Florida-domiciled operations must be written by Florida resident agents.
For Georgia risks, please contact your Underwriter.

POLICYHOLDER
SERVICES

Builders Mutual partners with more than 700 independent agencies spread across Florida,
Maryland, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia. We can also
provide coverage in Georgia and Washington, D.C.

Official Safety Sponsor of National Association of Home Builders
Diamond Sponsor of North Carolina Home Builders Association
Premier Partner of Home Builders Association of Virginia
Premier Partner of Home Builders Association of South Carolina
Premier Partner of Home Builders Association of Tennessee
Bronze Sponsor of Maryland Building Industry Association
Corporate Sponsor of Hispanic Contractors Association of the Carolinas
Corporate Sponsor of Associated Builders and Contractors, Carolinas Chapter
Strategic Partner of Appalachian State University Brantley Risk & Insurance Center

BILLING

*Builders Mutual’s focus in Florida is Workers’ Compensation. GL, Inland Marine, and Umbrella are reserved
for best-in-class risks with exceptional historical performance. Contact your Underwriter or Territory Manager
to discuss consideration on specific accounts.

Sponsorships
COMPLETE
COVERAGE

• Workers’ Compensation
• Commercial Package Policy
• General Liability
• Property
• Inland Marine

Builders Mutual maintains sponsorships with several builder and trade associations to show our
dedication to the industry we serve. Since many of our employees are highly involved in these
organizations and often serve on boards and special committees, these sponsorships represent
more than a financial commitment; they’re also chances to get involved.

ABOUT US

COMPLETE COVERAGE FOR CONTRACTORS

INDUSTRY PARTNERSHIPS

A (Excellent) rating by A.M. Best Company

AGENT
SERVICES

Builders Mutual is focused on the longevity of our company and
our ability to serve our customers now and in the years to come.

HBA MEMBERSHIP
(NC ONLY)

To ensure faster processing and response times, use the following email addresses:
newbusiness@bmico.com
endorsements@bmico.com
lossruns@bmico.com
audits@bmico.com

CUSTOMER CONTACT CENTER
800-809-4859
Available Monday through Friday, 8 a.m. to 6 p.m. EST.

KEY CONTACTS
Builders Mutual understands that insurance is a business built on relationships. We believe
in taking a collaborative approach to writing new business, renewing accounts, and servicing
policies. Contact us today! We are ready to provide support and help you grow your business.
Claims Mailing Address

Builders Mutual Insurance Company
5580 Centerview Drive
Raleigh, NC 27606

Builders Mutual Insurance Company
PO Box 150006
Raleigh, NC 27624-0006

CLAIMS
To Report a Claim
Call 800-809-4862 to be connected with a representative.
Email noticeofloss@bmico.com

BILLING

Physical Address

COMPLETE
COVERAGE

For more than 30 years, Builders Mutual has returned dividends to eligible
Workers’ Compensation policyholders who put safety first. The total has
surpassed $55 million. We continue to provide financial stability to our
policyholders and show steady, controlled growth as a company. This dividend
return is one way to recognize the strong results of both our policyholders
and our company.

ABOUT US

IMPORTANT EMAILS

Since 1984

Main Mailing Address
Builders Mutual Insurance Company
PO Box 150005
Raleigh, NC 27624-0005

Fax 919-227-0204

State-specific claims forms are also available in the Claims Center.

SALES & UNDERWRITING

Your Territory Manager is the primary
liaison between your agency and
Builders Mutual and will serve as a
trusted advisor to help you meet
your sales goals.

Your ASR will process quotes and issue new
business, endorsements, and renewals.
Your ASR works closely with your assigned
Express Account and Mid-Market UWs to
provide fast, accurate service.

Express Account Underwriter (UW)

Large Account Underwriter (UW)

Your Express Account UW will work
with you on accounts up to $400,000
in payroll and up to $4 million in
subcontracted costs.

For construction accounts over $250,000
in premium, your Large Account UW
will work with you to deliver the same
great coverage options and competitive
rating that you are accustomed to with
your mid-market accounts, bundled with
tailored services to support the unique
needs of large contractors.

Mid-Market Underwriter (UW)
Your Mid-Market UW will work with you
on accounts over $400,000 in payroll and
over $4 million in subcontracted costs.

For individual employee contact information, log in to buildersmutual.com
and click on Your Support Team.

To Manage Claims
Call Claims Support 800-809-4861

AUDIT
Call the Customer Contact Center at 800-809-4859
Email us at audits@bmico.com
Visit buildersmutual.com/audit and click on Find an Auditor for contact information
for Builders Mutual auditors in your area.

RISK MANAGEMENT
Visit buildersmutual.com/RM for specific Risk Management contact information.

HBA MEMBERSHIP
(NC ONLY)

Agency Service Rep (ASR)

AGENT
SERVICES

Territory Manager

POLICYHOLDER
SERVICES

Visit the Builders Mutual Claims Center at buildersmutual.com/claims
to report a claim online.

ABOUT US

CLASSIFICATION

BUILDERS MUTUAL APPETITE GUIDE

APPETITE GUIDE
As a niche carrier dedicated to the construction industry, our target market includes
construction and construction-related classes. The ratings in our Appetite Guide should be used
as a general reference. When in doubt about a particular risk, consult your Underwriter prior to
binding coverage. Any classification not listed should be considered as Undesirable.
For incidental employee exposures outside our footprint (DC, FL, GA, MD, MS, NC, SC, TN,
and VA), coverage is available. Please speak with your Underwriter for details.

The following 10 Workers’ Compensation classes continue to represent the top-performing
trades and have a proven history of solid performance with Builders Mutual.
6217 Excavation

5437 Carpentry - Interior Trim

5478 Floor Covering

5645 Carpentry - Residential

5479 Insulation

5102 Door/Sash Erection

5474 Painting or Paperhanging

5190 Electrical Wiring

5551 Roofing

*post-survey at Underwriter’s discretion **pre-survey required
*post-survey
at Underwriter’s
discretion
**pre-survey
required
In Florida, pre-surveys
are required
on framing,
roofing, siding,

P Preferred C Considered U Undesirable

CLASSIFICATION

BUILDERS MUTUAL APPETITE GUIDE
General
Liability

Comm.
Auto

Property

Air Conditioning Systems or Equipment – Dealers or
Distributors and Installation, Servicing or Repair

P

P

P

P

P

Appliances and Accessories Installation, Servicing or Repair
– Commercial (Contact your Underwriter)

C

C

C

C

C

Appliance Installation, Servicing Or Repair - Household

C

C

C

C

C

Architectural or Engineering Firm (as a governing class)

N/A

U

U

U

U

Associations – HBA (No Habitat for Humanity)

N/A

P

P

P

P

Automatic Sprinkler Installation & Drivers – Fire Suppression

N/A

C

U

C

Building Material Dealer – no repairs, no sales of used items

N/A

U

U

Burglar Alarm/Security System Installation or Repair
& Drivers – No Monitoring

N/A

P

U

Cabinet Works w/Power Driven Machinery

N/A

C

Cabinets/Vanities – No Power Woodworking

N/A

P

Cable TV & Telephone Service Connection (customer’s
premises only) – WC considered only if no overhead
work – including no pole climbing and no work from
ladder or bucket truck

Cable/Phone/Intercom Installation (Communication
Equipment Installation) – Limited height exposure;
no pole to pole, limited work from ladder or bucket truck,
no line contractors – TV & Telephone Service Connection
(Contact your Underwriter)

*

N/A

C

C

**

C

**

P

*

*

C

C

*

*

P

*

P

Carpentry – Modular Housing, Not Mobile Homes
(For Trade, contact your Underwriter)

C

**

C

**

C

**

C

C

*

C

*

C

Carpentry – Remodeler – No Fire or Water Restoration or
Major Renovation; Limited Scope

N/A

P

P

P

P

Carpentry – Residential; includes new construction
(single-family dwellings 3 stories or less), additions, decks,
porch/patio enclosures and remodelers (For Trade,
contact your Underwriter)

P

P

P

P

P

Carpentry – Siding

P

Carpentry Installation of Cabinet Work or Interior Trim;
Countertop and Cabinet Installation; hardwood floor
finishing and installation

P

P

P

P

P

Carpentry Multi-Family Dwellings 3 Stories or Less
(For Trade, carpentry not involving building structures.
Contact your Underwriter.) (Applies in DC, FL, and VA
only for Workers’ Comp.)

P

P

P

P

P

Carpentry NOC (For Trade, carpentry not involving
building structures)

P

*

*

N/A

P

*

P

*

P

*

P

**

*

P

*

P

*

P

*

P

*

C

**

C

**

C

**

C

**

Carpet/Floor Covering Installation – (WC binding authorized
only if no unins. subs used)

P

*

P

*

P

*

P

*

P

*

Carpet, Rug, Furniture Upholstery Cleaning –
On Customer’s Premises

P

*

P

*

P

*

P

*

P

*

Ceiling Installation Suspended Acoustical – other than metal

P

P

P

P

P

Ceiling Installation Suspended Acoustical – metal

P

P

P

P

P

N/A

C

C

C

C

Concrete – Floors, Driveways, or Sidewalks

P

P

P

P

Concrete Construction NOC – 3 stories or less

C

**

C

**

*
C **

Concrete Construction Residential – footings and
foundations; no foundation repair

P

*

P

*

P

Central Vacuum Systems – Residential

P

*

C

**

C

P

*

P

**

N/A

C

Conduit Construction Including Drivers

N/A

C

**

C

**

C

**

C

**

C

Debris Removal – in connection with construction operations
only, no building demolition work

N/A

C

*

C

*

C

*

C

*

U

U

Door Installation

P

P

P

P

Drywall/Sheetrock Contractor

P

Electrical Apparatus Installation – within buildings;
no work above 480 volts and/or no industrial work.

C

**

**

C

C

C

**

P

*

*

C

C

*

*

C

*

C

*

C

P

C

P

P

P

P

*

P

P

P

Electrical Contractor – no work above 480 volts and/or
no industrial work.

P

P

*

P

P

P

Excavating Contractor – Commercial or Multi-Occupancy
Structures, no logging/tree removal or demolition

P

*

P

*

P

*

C

P

*

Excavating Contractor – Single Family Dwellings,
no logging/tree removal or demolition

P

*

P

*

P

*

C

P

*

Garage Doors – Wood
Gas Construction
Glazier Away From Shops & Drivers

N/A

*
P *

*

P

*

Executive Supervisors Construction Manager Construction
Superintendent (Single Family Dwellings)

*

C

P

Fence Installation and Repair
N/A

**

Concrete Power Washing – no height exposure

P

*

P

P

*

P

P

U

P

P

P

P

*
P *

P

*
P *

P

*
P *

P

N/A

U

U

U

U

C

*

C

*

C

*

C

*

*

*
P *
C

*

HBA MEMBERSHIP
(NC ONLY)

Cable TV & Telephone Service Connection (line construction
work) – WC considered only if no overhead work – including
no pole climbing and no work from ladder or bucket truck

C

**

*

AGENT
SERVICES

Workers’
Comp.

P

P

POLICYHOLDER
SERVICES

Trade
Contractor

Property

Carpentry – Framing (No new ventures)

Carpentry Shop Only & Drivers

drywall, masonry, concrete and other high-hazard classes.

Comm.
Auto

BILLING

5403 Carpentry - NOC Commercial

General
Liability

COMPLETE
COVERAGE

Best Performing Workers’ Compensation Classes

Workers’
Comp.

ABOUT US

Trade
Contractor

CLASSIFICATION

BUILDERS MUTUAL APPETITE GUIDE

Grading Contractor – no logging/tree removal or demolition

P

*

Workers’
Comp

P

*

General
Liability

P

*

Comm.
Auto

Property

C

P

*

BUILDERS MUTUAL APPETITE GUIDE
Trade
Contractor

Workers’
Comp

General
Liability

Comm.
Auto

Property

Real Estate Agent; only undesirable as a governing class and
not in conjunction with a carpentry or construction code

N/A

U

U

U

U

U

U

U

U

Handyperson (Contact your Underwriter)

C

C

C

C

C

Remodeler – No Fire or Water Restoration or Major
Renovation; Limited Scope

N/A

P

P

P

P

Home Furnishings Installation

P

P

P

P

P

Real Estate Appraiser

C

U

C

C

N/A

N/A

C

U

U

U

Retail Dealers

N/A

U

U

U

U

HVAC Equipment Dealers or Distributors & Installation,
Servicing or Repair

P

P

P

P

P

Roofing Contractor – consult Underwriting Guidelines

N/A

C

C

P

P

P

P

Septic Tanks

N/A

**
C **

C

P

**
C **

C

Insulation (Organic or Plastic in Solid State; Includes Foam)

**
C *

Interior Designers (For Trade, contact your Underwriter)

P

P

P

P

P

Iron or Steel Erection Construction of Dwellings 2 Stories

C

Home Inspectors

C

**

C

**

C

**

C

**

N/A

C

**

C

**

C

**

C

**

Iron Works Fabrication – Ornamental

N/A

Irrigation/Drainage System

N/A

C **
C **

C **
C **

C **
C **

C **
C **

Iron or Steel Fabrication Shop – Railings, balconies, fire
escapes, staircases

**

C

C

C

C

C

Landscaping Gardening & Drivers (No DOT work)

P

P

P

P

P

N/A

C

C

C

C

Lathing & Drivers

Septic Tank Cleaning

C

C

C

C

C

Septic Tank Installation/Service & Repair

C

C

**
C **

C

**
C **

C

**
C **

C

Sewer Construction All Operations & Drivers

**
C **

Sheet Metal Works – Outside (Sheet Metal Shop/Install)

P

P

P

P

P

Siding

P *

P *

P *

P *

P

Spa/Whirlpool Installation

P

P

P

P

P

**
C **

C

**
P *

**
C **

**
C **

C

**

C

**

C

**

C

**

C

**

P

*

C

**

C

**

Stone Cutting/Polishing
Stone/Brick/Masonry Contractor

N/A
P

*

Street/Road Construction: Paving or Repaving and Drivers –
Residential-related; No Freeways, Highways or Major Metro
Areas; no bridge/tunneling work

N/A

Stucco Contractor – No Application of Waterproof Sealants

P

C

*

C

*

C

*

C

*

C

*

Masonry Contractor – less than 3 stories

P

*

C

**

P

*

C

*

C

*

Metal Erection Decorative or Artistic, Door, Door Frame
or Sash Erection

C

**

C

**

C

**

C

**

C

**

Metal Erection in the construction of dwellings
not exceeding 2 stories

C

**

C

**

C

**

C

**

C

**

Swimming Pool Servicing (No Construction)

Metal Erection – Non-Structural

C

**

C

**

C

**

C

**

C

**

Telephone Cable Installation – (WC considered only if
no overhead work including no pole climbing and no work
from ladder or bucket truck)

N/A

Telephone or Fire Alarm Line Construction & Drivers

U

U

U

Nursery – Plants

N/A

U

U

U

U

Ornamental Metal Works (for Trade, Decorative or Artistic)

N/A

C

C

**
P *
P *
P *

C

Painting/Paper Hanging – Interior

**
P *
P *
P *

C

*
P *

**
P *
P *
P *

Paper Hanging & Drivers – No Painting

P

P

P

P

P

Pest Control

N/A

P

U

U

U

Phone/Cable/Intercom/Wireless – Residential Installation;
No height exposure

N/A

P

P

P

P

Pile Driving

N/A

C

Plastering NOC & Drivers

C

C

C

C

C

Plumbing Contractor – No Sprinkler Installation (Commercial
– No boiler work)

P

P

C

P

P

Plumbing Contractor – No Sprinkler Installation (Residential)

P

P

P

P

P

Power Washing – Decks and Houses

N/A

C

C

C

C

Project or Construction Manager

N/A

P

U

P

P

Property Management

N/A

C

C

C

C

Painting – Exterior – less than 3 stories

P

Painting – Shop Only

P

*

*

**

C

**

C

**

P
P

**

P

C

Surveying/Land Planning Contractor

N/A

C

C

C

C

Swimming Pool Construction – Above Ground

N/A

*
C *

U
C

*

*
C *

*
C *

C

*

C

*

C

*

C

*

N/A

C

*

C

*

C

*

C

*

P

P

P

P

P

N/A

U

U

U

U

Tile, Stone, Mosaic or Terrazzo Work Interior Construct Only

**

**

*

C

Tree Removal
Water Main Construction – Residential Only; no gas construction

C

C

*

**

C

C

C

C

**

C

**

C

**

C

**

*

C

*

C

*

Waterproofing Contractor – Commercial (WC considered
only if no work at height, such as from ladders, scaffolds,
harnesses, boom/bucket lifts, etc.)

N/A

C

*

C

Welding or Cutting NOC & Drivers

N/A

C

**

U

C

C

Wholesale Dealer/Distributor – Construction-Related Only

N/A

U

U

U

U

HBA MEMBERSHIP
(NC ONLY)

U

C

*

AGENT
SERVICES

N/A

*

C

*
C **

POLICYHOLDER
SERVICES

Lawn Maintenance

Millwright Work NOC & Drivers Including HVAC – No industrial
machinery or repair; any crane operation conducted by insured
must be through insured subcontractors

*

BILLING

Janitorial Services – Construction-related (No residential
or office janitorial services)

C

COMPLETE
COVERAGE

N/A

Gutter Installation

ABOUT US

Trade
Contractor

CLASSIFICATION

COMPLETE
ABOUT US COMPLETE COVERAGE
COVERAGE
BILLING

COMPLETE
COVERAGE

POLICYHOLDER
SERVICES

AGENT
SERVICES

HBA MEMBERSHIP
(NC ONLY)

ABOUT US

MULTI-LINING ACCOUNTS
At Builders Mutual, we are here to help you provide the best products to your customers.
Our full suite of coverages is designed specifically for the construction industry.

WORKERS’ COMPENSATION

SAFETY PAYS

• The Workers’ Compensation policy must be active on January 1 of the distribution year
• The policy must have maintained 24 months of consecutive coverage
• The policyholder’s loss experience must be less than 50%

With underwriting approval, we offer flat and variable dividend plans for
eligible policyholders.
Flat Dividend Plan
Any dividend for which the account may be eligible according to the plan
selected at policy inception. See agency manual for flat dividend table.
Variable Dividend Plan

Builders Mutual offers two General Liability (GL) products: our Trade Contractor Program
and our Standard General Liability policy. Both of these GL products include the General
Liability Enhancement Endorsement. The common coverages needed to issue a Certificate
of Insurance, and to comply with most construction contractual insurance requirements, are
included in every GL policy we issue – at no additional charge.
During quoting in Builders Online Business, a short series of questions will be asked that will
determine whether the risk qualifies for the Standard GL or Trade Contractor Program.

TRADE CONTRACTOR PROGRAM
With our Trade Contractor Program, policyholders enjoy a lower composite rate with no
maximum payroll limitation. The policy does not include the exclusion for damage to work
performed by subcontractors on your behalf (CG2294). The corresponding Commercial
Umbrella policy does not include the same exclusion (CU2264).

Trade Contractor Eligibility
Three years of prior experience desired
Minimum annual payroll, per individual, owner, partner, or officer, varies by state

AGENT
SERVICES

Any dividend for which the account may be eligible shall vary according to
the premium size and actual loss experience during the subject policy period.
For examples, see agency manual and variable dividend table.

GENERAL LIABILITY

POLICYHOLDER
SERVICES

FLORIDA-SPECIFIC DIVIDEND OPTIONS

Review your Agency Snapshot report and work with your Territory Manager to multi-line your
existing customers’ accounts with Builders Mutual.

BILLING

Builders Mutual consistently returns dividends to eligible policyholders who put safety first.
The dividend distribution is based on the financial results of each year, and while a dividend
distribution is not guaranteed, traditional eligibility criteria are listed below:

Multi-lining accounts isn’t just a good idea. It is shown to be more effective for retaining
accounts and measuring loss ratio. We compared results from the last four operating years and
discovered that multi-line accounts perform 5.6% better in retention and 6.1% better in loss
ratio than mono-line accounts. Would you like to grow your book of business? Multi-lining with
Builders Mutual is something to consider.

COMPLETE
COVERAGE

For residential, commercial, and trade contractors, a Builders Mutual Workers’ Compensation
insurance policy protects a company’s most valuable asset – its employees. Accidents happen,
and when they do, you want an insurance company focused on getting injured workers the
medical care and rehabilitation they need to get back on the job-site.

Our enhancement endorsements add coverages that make COI issuance a breeze. We are
pleased to offer these enhanced coverages for General Liability, Property, and Auto policies.

Exterior operations must be three stories or less
Subcontract less than 25% of work

HBA MEMBERSHIP
(NC ONLY)

Subject to underwriting eligibility criteria

GENERAL LIABILITY COVERAGE Continued

As we work with you to multi-line accounts and grow your book of business, we are pleased to
offer these enhancement endorsements for General Liability, Property, Auto and Hired Auto,
and Non-Owned Liability policies.

Duties in the Event of Occurrence,
Offense, Claim, or Suit

Included

Primary and Non-Contributory –
Other Insurance Condition

Included

ABOUT US

COVERAGE ENHANCEMENTS

GENERAL LIABILITY ENHANCEMENT ENDORSEMENT
AVAILABLE IN ALL STATES

This form is automatically added to all General Liability
and Trade Contractor policies at no charge.

GENERAL LIABILITY COVERAGE

AUTO ENHANCEMENT ENDORSEMENT
NOT AVAILABLE IN FLORIDA

This form is automatically added to all
Auto policies at no charge.

Bodily Injury – Mental Anguish

Included

Off-Premises Care, Custody, or
Control Coverage

$25,000

Incidental Medical Malpractice

Included

Amendment of Insured Contract Definition

Included

AUTO ENHANCEMENT ENDORSEMENT COVERAGE

Liberalization Clause

Included

Blanket Additional Insureds

Unintentional Failure to Disclose Hazards

Included

Employee Hired Auto:

Lost Keys of Others

$500 Occurrence/$1,500 Aggregate

• Liability

Included

Medical Payments

$15,000

• Physical Damage

Included

Broadened Mobile Equipment*

Included

Limited Liability Company as an Insured

Included

Newly Formed or Acquired Organizations

Included

Newly Acquired or Formed Entities

Included

Non-Owned Aircraft

Included

Supplementary Payments:

Watercraft Coverage Enhancement

Included

• Bail Bonds

$3,000

Aggregate Limits Per Project

Included

• Reasonable Expenses Due to Our Request

$500 Per Day

Personal and Advertising Injury –
Electronic Publication

Included

Hired Autos Physical Damage:

Lesser of $50,000 or ACV*

• Loss of Use

$75 Per Day/$750 Per Loss

Property Damage Liability –
Borrowed Equipment

$25,000
$75 Per Disablement/$300

Supplementary Payments (Bail Bonds)
Enhancement

$5,000

Towing and Labor
Private Passenger Types/“Light Trucks”

$150 Per Disablement/$300

Damage to Premises Rented to You Limit

$500,000

Other than Private
Passenger Types/“Light Trucks”

Knowledge of an Occurrence, Claim, or Suit

Included

Personal Effects

$500

Voluntary Property Damage Coverage

$5,000 Occurrence/$10,000 Aggregate

Waiver of Transfer of Rights of
Recovery Against Others

Included

Transportation Expenses –
All Vehicle Types

Issuing certificates of insurance is made easy with automatically included Blanket Additional
Insureds and Waiver of Subrogation. Primary non-contributary is built into the Auto enhancement
form. Additional coverages designed specifically for the contractor are highlighted below.

Included

$5,000

Rental Reimbursement:
• Private Passenger Types/“Light Trucks”
*NOTE VA $20/day, $600 max.

$75 Per Day/$750 Per Occurrence

HBA MEMBERSHIP
(NC ONLY)

• Return of Stolen Auto

AGENT
SERVICES

$75 Per Occurrence/$750 Total

POLICYHOLDER
SERVICES

• Temporary Transportation

BILLING

*NOTE In VA, street cleaning is considered an auto, not mobile equipment.

COMPLETE
COVERAGE

The most common coverages needed to issue a Certificate of Insurance for contractors are
included with our enhancement endorsement, as shown in the highlights below.

The Blanket Additional Insured – Ongoing and Blanket Additional Insured –
Completed Ops/Products are also automatically attached to all GL policies,
making COI issuance easier than ever!

Electronic Equipment

Included

Loan/Lease Gap Coverage

Included

Glass Repair*

PROPERTY ENHANCEMENT COVERAGE Continued
$250,000

Comprehensive Deductible Waived

Valuable Papers and Records –
Cost of Research

$30,000

Waiver of Subrogation

Included

Property Off Premises

$20,000

Unintentional Omissions**

Included

Non-Owned Detached Trailers

$10,000

Outdoor Fences

$10,000

Outdoor Signs

$10,000

Outdoor Trees, Shrubs, and Plants
(Subject to a $1,000 Per Item Limitation)

$10,000

Radio and Television Receiving Equipment

$10,000

Refrigerated Property

$10,000

*NOTE Not included in SC enhancement, as SC is a zero deductible state for glass claims.
**NOTE Not included in VA enhancement; this is automatically included in policy.

OPTIONAL CGL HIRED AUTO AND NON-OWNED
AUTO LIABILITY ENDORSEMENT
AVAILABLE IN ALL STATES

This form can be added to a Standard or Trade Contractor
General Liability policy for a flat fee of $200.

• Make your contractor happy with just one policy and one bill.

PROPERTY ENHANCEMENT
With Business Income and Extra Expense
This form is automatically added to all
Property policies at no charge.

Business Income and Extra Expense is now included on a 12-month actual loss sustained (ALS)
basis. At Underwriter’s discretion for certain class codes, ALS may not be available. Additional
coverages designed specifically for contractors are highlighted below.

PROPERTY ENHANCEMENT COVERAGE

• Loss to the Undamaged Portion
of the Building

Included

• Demolition Costs

$50,000

• Increased Cost of Construction

$50,000

Pollutant Cleanup and Removal

$25,000

Property In Transit

$25,000

Backup of Sewers and Drains

$25,000

Contractors’ Tools and Equipment
and Equipment of Others

$5,000

• Tools in a Locked Vehicle

$1,000

Accounts Receivable

$25,000

Claim Data Expense

$25,000

Computers and Media

$25,000

Fine Arts

$25,000

$10,000

Installation Property

$25,000

Brands and Labels

$25,000

Employee Theft (Including Forgery
or Alteration)

$25,000

Computer Fraud

$25,000

Lock Replacement

$5,000

Money, Securities, and Stamps (Inside/Outside)

$5,000

Electronic Data*

$2,500

Business Income and Extra Expense –
Actual Loss Sustained
Valuation:
• Fabricator’s/Manufacturer’s Selling
Price Valuation

Included

• Replacement Cost Valuation for
Personal Property of Others

$10,000

Fire Extinguisher Recharge Expense

$5,000

Fire Department Service Charge

$5,000

AGENT
SERVICES

Arson, Theft, and Vandalism Reimbursement

POLICYHOLDER
SERVICES

NOT AVAILABLE IN FLORIDA

Ordinance or Law Coverage:

BILLING

• As long as the insured has no existing Commercial Auto policy, simply add this
form to the existing General Liability policy.

COMPLETE
COVERAGE

Newly Acquired Location – Business Income
and Extra Expense

ABOUT US

AUTO ENHANCEMENT COVERAGE Continued

*NOTE Not included in VA enhancement; this is automatically included in policy.

• Building

$1,000,000

• Personal Property

$500,000

HBA MEMBERSHIP
(NC ONLY)

Newly Acquired or Constructed Property:

NOT AVAILABLE IN FLORIDA

This form can be added to Property policies to
upgrade coverage for a $250 charge.

UPGRADED COVERAGE HIGHLIGHTS

Property Off Premises

$50,000

Property in Transit

$50,000

Backup of Sewers and Drains

$50,000

Contractors’ Tools and Equipment and
Equipment of Others:

$10,000

• Tools in a Locked Vehicle

$5,000

Accounts Receivable

$50,000

Installation Property

$50,000

Lock Replacement

$10,000

Money, Securities, and Stamps
(Inside/Outside)

$10,000

Waiver of Subrogation

Add using form WC 000313.

No Charge

WC

Blanket Waiver of
Subrogation

Add using form WC 9801.
NC and FL add using form WC 000313.

No Charge

WC

Notice of Cancellation

Add using form WC 3206 in NC.
WC 9900 10 01 for all other states.

No Charge

GL

Enhancement

Automatically added form CG 7051.

No Charge

VA – CG 7055
Provides coverage for:
• Aggregate Limits Per Project
• Primary Non-Contributory
• Waiver of Subrogation
Please review enhancements for
further coverages and limits.
GL

Hired Auto and
Non-Owned Liability

Add using form CA 7049.

GL

Waiver of Subrogation

Add the certificate holder specifically if the
blanket version in the the enhancement listed
above is not acceptable.

$250

GL

Named Additional
Insured

Ongoing Operations
Add a certificate holder with form CG 2010.

$50

Our new umbrella rating is not available online. Please note these important underwriting
guidelines when submitting an application:

Products-Completed Operations
Add a certificate holder with Builders Mutual
form CG 7026.

$25

CG 2037 is also available.

$250

Builders Mutual only charges on the first five
CG 2010 and CG 2037 forms per policy.
GL

Blanket Additional
Insured

Both automatically included with
Enhancement CG 7051.

No Charge

Ongoing Operations
Automatically added to every policy using
form CG 7034 (CG 2010 equivalent).

GL

30-Day Notice of
Cancellation

Products-Completed Operations
Automatically added to every policy using
form CG 7024 (CG 2037 equivalent).

No Charge

Can be added to policies with good
payment history using form IL 6006.

No Charge

AGENT
SERVICES

• The Umbrella policy limit can be written up to $10 million.
• The minimum retained limit is $10,000.
• The General Liability policy must be written with Builders Mutual with minimum limits of
$1,000,000 per occurrence and $2,000,000 aggregate.
• Underlying coverage minimum requirements include $1,000,000 Commercial Auto
Combined Single Limit and 500/500/500 for Employer’s Liability.
• Commercial Auto and Employer’s Liability may be written by an AM Best A (Excellent) rated
company with a financial rank of VII as long as the policy is written on an ISO form.
• Concurrent policy expiration dates are mandatory for the Umbrella and General Liability
policies. Concurrency in Workers’ Compensation, Employer’s Liability, and Commercial Auto
policies is preferred.
• An Umbrella Policy Minimum Premium Chart is included online in Rule 39 of the Umbrella
Additional Rules sections.

• Paired with the GL policy when no
commercial auto policy exists. Will
eliminate a bill and streamline coverage.

POLICYHOLDER
SERVICES

UMBRELLA PRODUCT ENHANCEMENT HIGHLIGHTS

$200

BILLING

$50,000

WC

COMPLETE
COVERAGE

Valuable Papers and Records –
Cost of Research

MOST COMMONLY USED FORMS

ABOUT US

PROPERTY ENHANCEMENT PLUS
With Business Income and Extra Expense

HBA MEMBERSHIP
(NC ONLY)

COMPLETE COVERAGE

ABOUT US

MOST COMMONLY USED FORMS Continued
Auto

Enhancement

Automatically added form CA30 00
(CA 30000714sc for SC).

No Charge

SC – CA 30000714sc
VA – CA 30 00 07 14VA

Please review enhancements for further
coverages and limits.

We offer both reporting form and One-Shot options.

30-Day Notice of
Cancellation

Can be added to policies with good payment
history using form IL 6006.

No Charge

Auto

Named Additional
Insured

Can add using form CA 2048.

No Charge

Property

Property
Enhancement
Standard

Property Enhancement with Business Income
and Extra Expense. Automatically attached.

No Charge

Builders Mutual targets Residential, Commercial, Model Homes, and Remodeling with
our Enhanced Builders Risk One-Shot. We will write up to $5 million residential and
$15 million commercial.
Looking for a fast response? Complete an EBR One-Shot policy today. The EBR One-Shot is
written online via BOB, and when criteria are met for straight-through processing, the agent can
immediately print a Certificate of Insurance with the policy number.
Risks that meet the criteria listed below will go straight through. No paper applications must be
submitted. However, signed applications must be kept in the agent’s office.
• Less than $3 million
• Protected classes 1-8
• No wind exposure
• New construction
• No Builders Risk losses
• No earthquake coverage requested
• No more than one building per location
When special circumstances apply, the homeowner can be listed as the first named insured.
Contact your Underwriter for more details.

HBA MEMBERSHIP
(NC ONLY)

Please review enhancements for further
coverages and limits.

$250

AGENT
SERVICES

• Valuable Papers and Records
(Cost of Search)
• Property Off Premises – Property in Transit
• Accounts Receivable – Installation Property
• Backup of Sewer and Water
• Contractors’ Tools and Equipment and
Equipment of Others
• Money, Securities, and Stamps
(Inside/Outside)
• Lock Replacement

ENHANCED BUILDERS RISK ONE-SHOT

POLICYHOLDER
SERVICES

Provides the following:
• Business income and extra expense –
12-month ALS
• Installation property
• Contractors’ tools and equipment of others
• Backup of sewers and drains
• Property in transit

Provides higher limits on 10 additional
coverages beyond those offered in the
standard enhancement including:

MONTHLY REPORTING
Builders Risk reporting forms are currently available for residential builders with more than
10 starts a year. We offer monthly reporting with a monthly rate or an annual rate. For a builder
with an average project completion of four months or less, the monthly rate is the best option.
Each month, the insured reports the existing homes still under construction, the homes that
have been completed, and any new locations. Coverage begins and continues according to the
monthly report. Since reporting form ratings are not available online, please contact
your Underwriter for a quote.

SC, TN – IL1601
NC – IL6014
MD – IL6022
DC, GA, MS – IL6018
VA – IL6025, IL6027

SC, TN – IL6011
NC – IL6015
MD – IL6023
DC, GA, MS – IL6019
VA – IL6026, IL6028

NOT AVAILABLE IN FLORIDA

BILLING

Auto

Enhancement Plus with Business Income and
Extra Expense.

COMPLETE
COVERAGE

Builders Risk provides flexible, comprehensive coverage during the course of construction.
Coverage includes property, scaffolding and temporary structures, and theft of materials, and
it can include profit. Builders Risk also features coverage that extends beyond the dwelling or
structure, such as debris removal, pollution cleanup and removal, and fences, trees, and outdoor
property. Coverage is also available for remodelers, unsold dwellings, model homes, and
contents.

Provides coverage for:
• Blanket Additional Insured/
Primary – Non-Contributory
• Glass Repair
• Waiver of Subrogation (Blanket)

Property
Enhancement
PLUS

WHY DO YOU NEED BUILDERS RISK?

COMPLETE COVERAGE

ABOUT US

ENHANCED BUILDERS RISK ONE-SHOT
Need more coverage?

PACKAGE C

PACKAGE D

Scaffolding

$5,000

$25,000

$50,000

$100,000

Debris Removal

$10,000

$25,000

$50,000

$100,000

Backup of Sewers or Drains

$5,000

$25,000

$50,000

$100,000

Fire Department Service Charge

$10,000

$25,000

$50,000

$100,000

Valuable Papers

$10,000

$25,000

$50,000

$100,000

Pollutant Cleanup and Removal

$15,000

$15,000

$15,000

$15,000

Reward

$10,000

$25,000

$50,000

$100,000

Property at Temporary Storage

$25,000

$75,000

$150,000

$250,000

Property in Transit

$10,000

$25,000

$50,000

$100,000

PREMIUM CHARGE ADDED
TO BASE RATE

INCLUDED

$125

$250

$500

Pro Rata Cancellation

CLARIFYING OUR POSITION
As we work with you to write multi-line accounts, we believe
it’s important to clarify our position on important topics like
Construction Defect and Windstorm Guidelines. The following
reference tools were created to help you better understand our
position and include criteria we use to evaluate exposures.

POLICYHOLDER
SERVICES

PACKAGE B

BILLING

PACKAGE A

COMPLETE
COVERAGE

Higher limits are available for additional premium. No deductible applies to these
Supplemental Coverages. The following Supplemental Coverages are offered in package form.

We will provide pro rata return on the first year, once the minimum premium ($350) is met.
We will provide a full pro rata return in the second year and beyond for residential construction.
There is no minimum premium requirement in order to prorate a commercial risk.

EBR One-Shot coverage will automatically end 12 months from the inception date unless the policy is
renewed and additional premium paid. To renew policies for a second term, the agent can send a request
to endorsements@bmico.com containing the EBR One-Shot policy number(s) the insured would like to
renew prior to the expiration date.

AGENT
SERVICES

Renewal

HBA MEMBERSHIP
(NC ONLY)

ABOUT US

CONSTRUCTION DEFECT
We will partner with you to review each risk according to the guidelines below.
DC, MD, VA and GA, NC, TN

As experts in construction insurance, we have a strong understanding of construction
defect issues. When considering removal of the CG2294, we vary our approach based
on location and risk type.

• Commercial General Contractors (GC) using 100% insured subs
- Prior or current habitational or residential work NOT eligible

NOTE

• Commercial Trade Contractors (TC) whose subcontracted work is <50%

Our Trade Contractor Program does not include the exclusion for damage to work
performed by subcontractors on your behalf (GC2294). The corresponding Commercial
Umbrella policy does not include the same exclusion (CU2264).

COMPLETE
COVERAGE

CONSTRUCTION DEFECT
CG2294 Removal Consideration Criteria

• Residential TC whose subcontracted work is <50%
• Residential GC specialized in custom building
- Coastal counties NOT eligible
- Tract builders NOT eligible

• Commercial TC whose subcontracted work is <50%
• Commercial GC using 100% insured subs
- Prior or current habitational or residential work NOT eligible
- Residential TC whose subcontracted work is <50%
• NOTE: Residential GCs are not eligible for consideration

BILLING

FL, MS, SC

The risk must also meet the following criteria:

DC, MD, VA

Most favorable

GA, NC, TN

Favorable

FL, MS, SC

Least favorable

- DC, MD, VA three-year project list
- GA, NC, TN five-year residential or three-year commercial
- FL, MS, SC seven-year project list

AGENT
SERVICES

• No prior construction defect claims (for any type of residential construction)
• Quality control program with daily inspections and punch list signoff
• Risk transfers maintained
- Additional insured endorsements CG 2010 07 04 and CG 2037 07 04 or equivalent
- Limits equal to our insured’s GL limits of $1M/$2M
- 30-day notification of coverage, reduction, or cancellation
- Waiver of Subrogation
- Retain coverage for at least three years
• General Liability loss ratio not to exceed 50%
• Good financial standing

POLICYHOLDER
SERVICES

• Minimum three years of prior insurance coverage and implemented subcontractor
agreements for at least three years
• Provide project list with description of the construction type

HBA MEMBERSHIP
(NC ONLY)

ABOUT US
COMPLETE
COVERAGE

HWY 113

MARYLAND

HWY 13

BILLING

WINDSTORM GUIDELINES
Managing property exposure in coastal regions is critical. The windstorm
maps included apply for both PROPERTY and BUILDERS RISK policies.

Beach Area Not eligible for property coverage.

Coastal Plain Standard 2% wind deductible.
• East of HWY 113 or 13
(Whichever is nearest the coast)

POLICYHOLDER
SERVICES

• Assateague Island
• Ocean City

Inland No wind restrictions.
• Remainder of the state

AGENT
SERVICES

NOTE Coastal restrictions do not apply to risks with business personal
property only valued at $25,000 or less. All submissions subject to UW
guidelines and approval.

HBA MEMBERSHIP
(NC ONLY)

ABOUT US
COMPLETE
COVERAGE

MISSISSIPPI
Beach Area Not eligible for property coverage.
Less than 1,000 feet from the coast in the
following counties:

• Outer Banks

Coastal Plain Not eligible for wind coverage.
• Hancock
• Harrison
• Jackson

Beach Area Not eligible for property coverage.

• George
• Pearl River
• Stone

• Remainder of the state

Less than 1 mile from the coast in the
following counties:
•
•
•
•
•
•

Beaufort
Brunswick
Camden
Carteret
Chowan
Currituck

•
•
•
•
•
•

Dare
Hyde
New Hanover
Onslow
Pamlico
Pasquotank

•
•
•
•

Pender
Perquimans
Tyrrell
Washington

Inland East Standard 2% wind deductible.
NOTE Coastal restrictions do not apply to risks with business personal
property only valued at $25,000 or less. All submissions subject to UW
guidelines and approval.

POLICYHOLDER
SERVICES

Inland No wind restrictions.

Coastal Plain Not eligible for wind coverage.

BILLING

• Hancock
• Harrison
• Jackson

NORTH CAROLINA

Greater than 1 mile from the coast in the following
zip codes:
Beaufort
Brunswick
Camden
Carteret
Chowan
Currituck

•
•
•
•
•
•

Dare
Hyde
New Hanover
Onslow
Pamlico
Pasquotank

•
•
•
•

Pender
Perquimans
Tyrrell
Washington

AGENT
SERVICES

•
•
•
•
•
•

Inland West No wind restrictions.
• Remainder of the state

HBA MEMBERSHIP
(NC ONLY)

NOTE Coastal restrictions do not apply to risks with
business personal property only valued at $25,000 or less.
All submissions subject to UW guidelines and approval.

ABOUT US
COMPLETE
COVERAGE

NOTE Coastal Plain and Inland East zip
codes detailed below.

VIRGINIA

• Accomack
• Northampton

Coastal Plain Not eligible for property coverage.

SOUTH CAROLINA

Less than 2 miles from the coast in the
following zip codes:

Rule: These are eligible for the wind pool and as a result are not eligible
for Wind coverage with BMIC. Visit www.scwind.com/EligibilityCheck.asp
to verify eligibility.
• Georgetown
• Horry
- East of HWY 17 business or bypass (whichever is further west)
• Charleston
- East of the Intracoastal Waterway from the northern border of the City
of Charleston to the Georgetown County border

• Beaufort

• 23459
• 23461

Inland East Not eligible for property coverage.
Less than 2,000 feet from the coast in the
following zip codes:
•
•
•
•
•

23455
23503
23511
23518
23607

•
•
•
•
•

23651
23661
23662
23663
23664

•
•
•
•

23669
23692
23696
23703

- East of the Intracoastal Waterway

AGENT
SERVICES

- Edisto Island, Edingsville Beach, Kiawah Island, Botany Bay,
Folly Island, Seabrook Island, Morris Island

• 23451
• 23456
• 23457

POLICYHOLDER
SERVICES

Beach Area Not eligible for wind coverage.

• Colleton

BILLING

Beach Area Not eligible for property coverage.

Inland West No wind restrictions.
Coastal Plain Standard 2% wind deductible.
• Colleton
• Beaufort

Inland No wind restrictions.
• Remainder of the state

NOTE Coastal restrictions do not apply to risks with
business personal property only valued at $25,000 or less.
All submissions subject to UW guidelines and approval.

NOTE Coastal restrictions do not apply to risks with
business personal property only valued at $25,000 or less.
All submissions subject to UW guidelines and approval.

HBA MEMBERSHIP
(NC ONLY)

• Horry
• Georgetown
• Charleston

• Remainder of the state

ABOUT US

COMPLETE
COVERAGE

BILLING
BILLING

BILLING

POLICYHOLDER
SERVICES

AGENT
SERVICES

HBA MEMBERSHIP
(NC ONLY)

ABOUT US

With our convenient system of monthly reporting, a customer’s monthly premium is based
on actual payroll from the previous month. Premiums are in proportion to the actual amount
of work in progress, eliminating large unexpected audits.

COMPLETE
COVERAGE

MONTHLY SELF-REPORTING FOR WORKERS’ COMPENSATION

Here’s how it works:
• Customers pay the 15% deposit* plus the expense constant when submitting their application.

Builders Mutual offers a variety of flexible payment plans, including:

• Each month, customers log in to buildersmutual.com and enter their payroll. Premium due is
automatically calculated, ensuring payment of the exact amount owed.

10-PAY

20% of total (premium + expense constant*) is due at application,
and customer is billed the remainder over nine installments.

25% of total (premium + expense constant*) is due at application,
and customer is billed the remainder over three installments.

2-PAY

50% of total (premium + expense constant*) is due at application,
and customer is billed the remainder in the fifth month, with payment
due the sixth month.

ANNUAL

100% due at application.This is required when the estimated annual
premium is $1,000 or less.

*The expense constant applies to Workers’ Compensation policies only.

ONLINE TOOLS

Builders Online Business makes billing easy. Your policyholders can register to use our
online platform by visiting buildersmutual.com/policyholders. After creating a user ID
and password, they can:
• Pay bills
• Register for Auto-draft
• Enter workers’ comp monthly payroll
• View policy documents
• Enroll to Go Paperless
NOTE Policyholders may ONLY change payment plans at policy renewal.

AGENT
SERVICES

Builders Mutual does not charge installment fees
on our 2-Pay, 4-Pay, or 10-Pay payment plans.

*The 15% deposit is adjusted when policy estimates are adjusted and is retained only to apply toward premium in the event
of termination. Once policyholders complete their second year with us, we no longer require a deposit. Money classified as
“deposit” will be applied as “premium” at renewal in the first month of the third year.

POLICYHOLDER
SERVICES

4-PAY

• If paper is preferred, customers manually calculate their payroll and mail their report. Payments
can be accepted via check, through our Customer Contact Center (800-809-4859), or online.

BILLING

PAYMENT PLANS

HBA MEMBERSHIP
(NC ONLY)

ABOUT US

COMPLETE
COVERAGE
BILLING

POLICYHOLDER
POLICYHOLDER
SERVICES
SERVICES

POLICYHOLDER
SERVICES

AGENT
SERVICES

HBA MEMBERSHIP
(NC ONLY)

Builders Mutual’s Customer Contact Center is available Monday through Friday,
8 a.m. to 6 p.m. EST. When you call 800-809-4859, a trained Customer Service
Representative will serve as a central point of contact for all your basic agency and
customer inquiries, including:
• Audit information
• Billing inquiries
• Commissions
• Dividends

• HBA membership requirements
• Payments
• Policy documents
• Status of policy changes

CLAIMS
To Report a Claim

Risk Management Online Resources
Builders Mutual maintains a robust collection of online resources to help customers develop
a culture of safety. Customers can visit buildersmutual.com/RM to access:

TOOLBOX TALKS

TOOLBOX
VIDEO TALKS

Call 800-809-4862 to be connected with a representative.
Email noticeofloss@bmico.com
Fax 919-227-0204

SAFETY
PROGRAM

State-specific claims forms are also available in the Claims Center.

SAFETY LINKS

Includes Accident Report and Investigation Forms,
Job-site Inspection Forms, Drug and Alcohol Policy
Forms, and sample Subcontractor Agreements
Sample safety modules available to help customers develop a
detailed Safety Program that addresses specific work-related
hazards, as well as hazards that could result from a change in
practice or conditions on the job-site
Links to industry safety resources, including the
National Safety Council and Occupational Safety
and Health Administration (OSHA)

To Manage Claims
Call Claims Support 800-809-4861

POLICYHOLDER
SERVICES

Visit the Builders Mutual Claims Center at buildersmutual.com/claims
to report a claim online.

A series of safety videos available to watch from the
convenience of a mobile device, tablet, or larger monitor

BILLING

SAFETY POLICY

Short safety talks that can be discussed in regularly
scheduled safety meetings

COMPLETE
COVERAGE

We now have an express payment line for policyholders and agents who want to
quickly make payments by phone.

ABOUT US

CUSTOMER CONTACT CENTER

WORKSAFE

Customers can depend on Builders Mutual Risk Management experts to:
• Discuss their operations during a job-site safety visit and help them identify
possible risks and exposures
• Recommend straightforward, easy-to-implement solutions to minimize
losses and promote OSHA compliance
• Demonstrate proper usage of safety equipment

Risk Management Consultants are assigned according to the county in which the policy
is written and can be located using the “Find a Risk Management Consultant” tool on
buildersmutual.com.

HBA MEMBERSHIP
(NC ONLY)

• Partner with customers to develop a safety or education program tailored
to their company’s needs

To promote a culture of safety, Builders Mutual developed WorkSafe, a compact but critical
introduction to best practices on the job-site. Whether customers have one new employee
or a small group of workers starting, training materials are available to educate, review, and
sign off on the eight key topics that every employee should know BEFORE stepping on the
job-site. Download these materials at buildersmutual.com/worksafe.

AGENT
SERVICES

RISK MANAGEMENT

Statistically, new employees, especially those who have been on the job for less than six
months, have a greater chance of being exposed to a serious injury or fatal accident. This is
why it is essential that employers provide workers with basic safety training before they ever
step foot on a job-site.

ABOUT US

PREMIUM AUDIT

We have assembled all the tools our policyholders need to prepare for their audit.
Customers can visit buildersmutual.com/audit to access these resources:

Builders Mutual created Builders University® to help strengthen our customers’
safety programs and address risks that impact their profits. We offer a variety
of standard courses as well as the knowledge and expertise to create custom
classes that meet our customers’ needs. Some of our core classes include:

Visit buildersmutual.com/BU for details.

PREMIUM AUDIT
LINKS

Links to useful audit resources, including Workers’ Compensation
monthly self-reporting FAQ’s and worksheet instructions, statespecific coverage verification links, and Builders Mutual sample
subcontractor agreements.

At Builders Mutual, our industry experts are our most valuable asset. When you have an
Audit question, reach out to us for an answer:

Email us at audits@bmico.com

For the latest construction trends and industry news visit
blog.buildersmutual.com.

Visit buildersmutual.com/audit and click on Find an Auditor for contact information
for Builders Mutual auditors in your area

TIP
Classifications are made based on job duties and exposures, not job title.
Remember, only the workers on the job-site can have their time broken out into
more than one classification. For more helpful tips, review our Audit Prep kit at
buildersmutual.com/auditkit.

AGENT
SERVICES

The Builders Mutual blog was created as a resource to share our knowledge
and expertise with policyholders, agents and those in the construction
industry. We utilize our own employee industry experts to produce original
articles focused on current industry topics, safety and small business initiatives.
Article topics range from safety and cybersecurity to hiring and training
employees.

POLICYHOLDER
SERVICES

Call the Customer Contact Center at 800-809-4859

BUILDERS MUTUAL BLOG

BILLING

• OSHA 10- and 30-hour Construction Industry Safety Courses
• Fall Protection
• WorkSafe 101: Best Practices for Hiring and Job-Site Safety Training
• Driver Safety
• Preparing for your Workers’ Comp and General Liability Audits

AUDIT PREP KIT

A comprehensive tool to help policyholders learn what records to
provide, ideas on organizing records, retention guidelines for certain
records, insight into common audit questions on remuneration and
class codes, and tips on working with subcontractors.

COMPLETE
COVERAGE

Each year, Workers’ Compensation and General Liability account(s) are audited. With a little
advanced planning and Builders Mutual by your side, premium audits can be simple. As part
of our dedication to providing our policyholders with the best service possible, we want them
to be prepared with the proper records and a thorough understanding of the process, making
their premium audit as efficient as possible.

HBA MEMBERSHIP
(NC ONLY)

ABOUT US

COMPLETE
COVERAGE
BILLING

AGENT
SERVICES

POLICYHOLDER
SERVICES

AGENT
SERVICES

HBA
MEMBERSHIP
AGENT
SERVICES
(NC ONLY)

ABOUT US

Our online platform allows you to quote, sell, and service policies with ease.
There are several online tools available to help you better manage your overall
account with Builders Mutual.
Access to Builders Online Business is only available to agents actively appointed with
Builders Mutual. Visit buildersmutual.com/agents to register for access or to log in and get
started on these features:

• Upload Workers’ Compensation policies with AMS360, Sagitta, Applied, and
IVANS Transformation Station.
• Message with your Underwriter on specific quotes.
• Pay new business, installments, and renewals. When submitting payments,
remember to use these forms:
- New Business Premium Allocation form
- One-Time Payment Authorization form
• Service all of your policies in one place with policy, billing, and claims inquiry.
Most frequently accessed resources are available on the Agent Landing page:
Training
Easily access training information
for Builders Online Business by line
of business and topic.

Appetite Guide
General list of our appetite for
business classes in workers’ comp,
GL (including trade), commercial
auto, and property.

Agency Alerts
Most recent rate, form and product
updates.

Quick Reference Guide
Electronic version of Agent Quick
Reference Guide.

Your Support Team
Your agency’s assigned sales and
underwriting contacts.

POLICYHOLDER
SERVICES

Trade Contractor Program
Eligibility and state-specific rates
for our General Liability Trade
Contractor Program.

BILLING

Builders Mutual values our
independent agency partners.
We are always looking for ways
to improve your experience
and provide tools to help you
manage your accounts and grow
your business.

COMPLETE
COVERAGE

Quote and Manage Policies
Rate, quote, issue, and service your policies. In this section, you can also:

My Agency Snapshot
Review a detailed report of your agency’s book of business with prior-month or prior-year figures.

My HBA Expressway (NC only)
Review membership status for NC policyholders.
My Commissions
Register for electronic funds transfer (EFT) of your monthly commission payment, and access
current and prior statements. Statements are only accessible by one login ID and require an
additional personal identification number (PIN).

Agency Manual
Review this online manual that includes each state’s rules, underwriting guidelines, rates,
and forms.
Marketing Materials
Review and request customized marketing materials to promote and grow your business.

HBA MEMBERSHIP
(NC ONLY)

My Claims
Submit a claim, view claim history, or review the Claims Snapshot report, which provides
your agency with a complete overview of all claims.

AGENT
SERVICES

My Producer Listing
View your agency’s appointed producers and see resident and non-resident status.

ABOUT US

BUILDERS UNIVERSITY AGENT PROGRAM

New Business

In 2003, Builders Mutual developed Builders University as an educational tool to
provide agents with a solid foundation of insurance knowledge for the construction
industry. Classes are offered each year in several locations across our market footprint
to build our agents’ expertise.

Agent of Record requests on new policies must be accompanied by the following:
• Completed applications (signed by a licensed agent and the policyholder due at binding)
• Completed contractor supplement
• Currently valued loss runs for the past three years
• Agent of Record letter signed by the policyholder (not subject to a rescission period)

Renewals
Agent of Record change requests on existing policies must be accompanied by the following:

NOTE In MD and VA, contact your Underwriter for state-specific AOR guidelines.

Champions Club
Champions Club recognizes our profitable partner agencies with over $750,000 in
premium. This select agent group will have access to special recognition programs,
advertising opportunities, and unique service and sales support. Champions Club
agents are announced each January and are recognized for the entire calendar year.
Agents must qualify each year to earn and maintain Champions Club status.

Builders Reserve recognizes the top individual Builders Mutual agency partners across
our market footprint. These agencies represent Builders Mutual’s “Best of the Best”
and merit an additional level of recognition and support by Builders Mutual leadership
and staff. Builders Reserve agencies are announced each January and are recognized
for the entire calendar year. Agents must qualify each year to earn and maintain
Builders Reserve status.

*Approved for CE in FL, MD, MS, NC, SC, TN, and VA unless otherwise noted.
Class length may vary according to state requirements.

CO-OP ADVERTISING PROGRAM
As a valued agency partner, we encourage you to take advantage of our Co-op
Advertising Program to market your agency in the local community. From print
advertising to promotional giveaways and event sponsorships, Builders Mutual will
cover half the cost. Signing up is easy.
1. Visit buildersmutual.com/agents/marketing_materials and review the co-branded
Marketing Materials readily available.
2. Contact the Marketing Department or email kmariani@bmico.com to request co-op
support. Prior approval is required.
3. The agency will pay for the advertisement or sponsorship in full. Builders Mutual
will reimburse the agency 50% of the total advertising cost (up to a specific dollar
amount per calendar year).

AGENT
SERVICES

Builders Reserve

Learn more about upcoming classes and Builders University locations at
buildersmutual.com/AgentBU.

POLICYHOLDER
SERVICES

SPECIAL RECOGNITION PROGRAMS

The Certified Builders Insurance Agent (CBIA) Designation was created for agency
partners that want to distinguish themselves as experts in the construction insurance
industry. Complete the 6 classes within the CBIA program and pass the CBIA exam to
earn your designation.

BILLING

• Completed applications (signed by a licensed agent and the policyholder specifying the
policy numbers to be transferred)
• Agent of Record letter signed by the policyholder (subject to 10-day rescission period)
• Requests should be submitted no sooner than 90 days prior to the renewal date and no
later than the effective date.
• No requests will be accepted midterm. All requests will be effective at the next renewal.

Builders University classes provide detailed information on insurance exposures,
exclusions, and coverages. Course materials include practical examples, case law,
policy information, and risk management instruction specifically for the construction
industry. Every class is free and provides 3.5 hours of continuing education (CE).*

COMPLETE
COVERAGE

AGENT OF RECORD CHANGES

Additional incentives are available for Builders Reserve and Champions Club agencies.

HBA MEMBERSHIP
(NC ONLY)

ABOUT US

COMPLETE
COVERAGE
BILLING

HBA
MEMBERSHIP

POLICYHOLDER
SERVICES
SERVICES

AGENT
HBA MEMBERSHIP

HBA MEMBERSHIP
(NC ONLY)

ABOUT US

HBA MEMBERSHIP: IT’S NOT A CLUB.
IT’S A COMMITMENT TO YOUR INDUSTRY.

• View your policyholder’s HBA payment status
• Chat with Builders Mutual and the HBA through a unique messaging system

How does it work?
1. The local HBA notifies Builders Mutual when the policyholder’s membership status is
unpaid, as early as the day following inception. This occurs when the policyholder has not
paid renewal dues or fails to join as a new member once the new policy is active.
2. When the policyholder is marked unpaid, the producer assigned to the account receives
an email. This email alerts the producer that the policyholder has unpaid dues.
• After 14 days, if the dues remain unpaid, Builders Mutual will mail a courtesy letter to
the policyholder. This letter alerts the policyholders that they have 30 days to comply
before their policy is in jeopardy of cancellation. The producer receives a copy of the
courtesy letter via email.
• After 30 days, if the dues remain unpaid, Builders Mutual begins the process to
cancel the policy mid-term.
A complete list of North Carolina local HBA chapters and their contact info
is available on buildersmutual.com.

It is extremely important that our agents communicate the HBA membership
requirement to NC policyholders to create a positive customer experience.
When our agents proactively explain the HBA requirement and sell the value of
the HBA membership, we mitigate policyholder frustration and ultimately avoid
policy cancellation for non-payment of HBA dues.

AGENT
SERVICES

Over the years, we have expanded into additional states and
established partnerships with various industry associations. However,
we never lose sight of our roots. Builders Mutual remains exclusively
dedicated to the construction industry, and we understand the value
of an HBA membership. Builders Mutual is actively involved with the
HBA – from participating in legislative initiatives in our nation’s Capital,
to grassroots community outreach. We were founded by members,
and we’re here to insure eligible members.

Builders Mutual tracks membership through an online system called My HBA Expressway.
The Expressway allows local HBAs across the state to log in and audit our NC policyholders.
Each NC agency has access to the Expressway as well. When you log in and click on My HBA
Expressway, you can:

POLICYHOLDER
SERVICES

In the early 1980s, builders in North Carolina had difficulty accessing
affordable Workers’ Compensation insurance. For this reason, the
North Carolina Home Builders Association (NCHBA) established a selfinsured fund for its members. When it was created, HBA membership
was a key requirement for all policyholders. Nearly 15 years later, the
fund evolved into an independent mutual insurance company, and
Builders Mutual was born.

HBA Expressway

BILLING

When North Carolina contractors choose to insure with Builders
Mutual, we require that they join and maintain a membership in a
local North Carolina HBA. This requirement stems back to our roots
and strong ties with the NCHBA, demonstrating our long-lasting
commitment to the construction industry.

Visit buildersmutual.com/partnerships to learn more.

COMPLETE
COVERAGE

Builders Mutual requires
HBA Membership for
North Carolina Policyholders

From networking and leads, to a voice representing contractors in the industry, to
tangible savings and rebates, there is more to member benefits than just Builders Mutual.

HBA MEMBERSHIP
(NC ONLY)

ABOUT US
COMPLETE
COVERAGE
BILLING
POLICYHOLDER
SERVICES
AGENT
SERVICES

STAY CONNECTED

blog.buildersmutual.com

HBA MEMBERSHIP
(NC ONLY)

PO Box 150005 Raleigh, NC 27624 | 800-809-4859 | buildersmutual.com



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