An insurance program built around production building — not adapted to it.

Most agencies write a production builder the same way they'd write a single custom-home project — lead with general liability, add builder's risk, and call it done. That approach misses the exposure that actually drives risk at production scale: the same floor plan, systems, and specifications repeated across dozens or hundreds of homes mean a single systemic issue can touch many homeowners at once, not just one. A generic policy structure doesn't account for that batch exposure, and a generalist agent may not even flag the gap.

We built this program around the six coverages every production builder needs — general liability, builder's risk, workers' compensation, commercial auto, professional liability, and umbrella — and then layered on the coverages that match how production building specifically operates: subcontractor default insurance for a rotating trade roster, dedicated completed operations review for multi-unit developments, reporting-form builder's risk structuring for phased construction, and contractors pollution liability for large-acreage grading and moisture-intrusion exposure.

As a Contractors Choice Agency program, we bring the carrier relationships and market access of an established agency to a niche we know well. The result is a policy built around the risks that actually follow a production builder through a multi-year development — not a generic small-business bundle with the batch exposure left as an afterthought.