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Builders Mutual 2020 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 (2020).

2020 Annual Report

View previous versions of our Annual Report


For over 36 years, Builders Mutual has returned dividends to eligible policyholders that put safety first.

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 $66 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 2021 totaled $2.7 million. This dividend distribution is a direct result of policyholders’ conscientious efforts to make safety a priority.


On May 5, 2020, 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 21st consecutive time.

According to the A.M. Best Rating Rationale Summary, the rating reflects the strength of Builders Mutual’s balance sheet, which is categorized as “Strongest.” A.M. Best commented on the company’s strong capital position, solid underwriting and operating leverage metrics, and our conservative reserving practices. A.M. Best describes the outlook for Builders Mutual as “Positive” which reflects favorable combined ratios that have outperformed peers on a five and ten year basis. 

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