About us


Builders Mutual 2018 Annual Report

Annual Report

We remain committed to maintaining a solid financial base. For a complete summary of Builders Mutual’s financial history, review our most recent Annual Report (2018).

2018 Annual Report

View previous versions of our Annual Report


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 $55 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 job-sites mean more productive job-sites, as well as a chance for reduced premiums and a dividend at the end of the year.

The dividend distribution in 2019 totaled $2.5 million. This dividend distribution is a direct result of policyholders’ conscientious efforts to make safety a priority.


On April 24, 2019, A.M. Best Company, the leading source for information on the financial condition and operating performance of insurance companies worldwide, reaffirmed Builders Mutual’s rating of A "Excellent" for the 20th consecutive time. 

According to the A.M. Best Rating Rationale Summary, the rating reflects the strength of Builders Mutual’s balance sheet, which A.M. Best categorizes as strongest, as well as our appropriate enterprise risk management. Builders Mutual’s positive outlook also reflects our solid balance sheet strength and operating performance, which has consistently remained favorable over the prior five year period.

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