Builders Mutual is one of the few carriers that offers a dividend to its policyholders. Since 1984, we are proud to have returned more than $50 million in dividends to our policyholders. To help make that possible, Builders Mutual offers free safety programs and education to help policyholders reduce losses and qualify for dividends. Safer jobsites mean more productive jobsites, as well as a chance for reduced premiums and a dividend at the end of the year. The dividend distribution for 2014 totaled $1.525 million. This dividend distribution is a direct result of policyholders' conscientious efforts to make safety a priority.