Coverage & Services

Construction worker walking on rebar

At work with you

Why choose Builders Mutual? Because all that you do is all that we do, too. We are the only carrier to provide complete commercial insurance coverage exclusively to contractors. With decades of experience assessing and reducing risks, we are experts at protecting you, your workers, and your business. From the groundbreaking to the ribbon cutting, we are by your side, helping you avoid risks and enjoy a job well done.

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Our products

Builders Mutual is the one-stop resource for all your commercial insurance needs.*

  • Workers' Compensation
  • Commercial Package Policy
  • General Liability
  • Property
  • Inland Marine
  • Crime
  • Auto
  • Builders Risk
  • Umbrella Liability

See types of coverage

* Workers’ Compensation is the only line of business available in Florida.

The Builders Mutual experience

Man looking at blueprints on job-site

To enhance your experience, simplify interactions, and provide more transparency, we created resources for policyholders to reference during important audit, claims, and risk management touchpoints.


Interior of house in framing stage

A.M. Best consistently awards Builders Mutual with an “A” (Excellent) rating for financial stability.


Man on roof at job-site

Since 1984, we have returned dividends to eligible policyholders who put safety first.

Complete coverage is delivered through a Builders Mutual agent who understands your business and has a genuine desire to help you protect it.

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Builders University

Builders University (BU) exists to provide information and training to help you enhance your business, improve your bottom line, and develop a comprehensive, high-impact risk management strategy to keep your employees safe.

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Large Market Accounts

Large Market Accounts (LMA) are some of our most unique policyholders, with distinctive needs and complex coverage issues. That’s why they can expect personalized interaction and specialized services when they partner with Builders Mutual. See how our highly responsive teams can help LMA contractors by delivering a truly elevated experience.

Builders Mutual requires HBA membership for North Carolina policyholders

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.

There’s more to HBA membership than just Builders Mutual

Man looking at building construction

Premium Audit

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

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Monthly self-reporting

We understand that in the construction industry your business often ebbs and flows. With our Monthly Self-Reporting pay plan for Workers’ Compensation (or MSR), monthly premiums are based on actual payroll from the previous month.

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Construction worker in scaffolding

Need to file a claim?

We always look out for policyholders. We do our best to help you prevent claims through educational materials and safety training, but accidents happen. When they do, you can rely on our claims department to deliver unparalleled service, speed, and individual attention.

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