We are high-net-worth insurance specialists with extensive underwriting knowledge and a commitment to delivering strong solutions for complex private client exposures.

Private Client Construction.

E&S HIGH-VALUE RESIDENTIAL BUILDERS RISK

We deliver builders risk solutions for complex, high-value residential projects that often fall outside the appetite of traditional markets. We combine E&S flexibility with tailored coverage, technical underwriting, and a broker-first approach. Led by experienced underwriters, we designed this program to provide responsive service and thoughtful risk selection.

We integrate sophisticated pricing, aggregation controls, and loss prevention protocols directly into the underwriting process. At program inception, Starwind Private Client Construction is backed by a select panel of insurers holding AM Best ratings of A and A+, all with a Financial Size Category (FSC) of XV.

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  • COVERAGE HIGHLIGHTS
  • APPETITE
  • SUBMISSION REQUIREMENTS

Covered Property

  • Limits from $2M-30M for all projects and construction types
  • Structures under construction, building materials and supplies
  • Any existing structure on premises not under construction
  • Losses to new and existing property are settled on a Replacement Cost basis. No ACV or coinsurance

Personal Property

  • Optional coverage for personal property on premises or in storage may be selected
  • Limits up to $5M

Deductibles

  • AOP deductible options from $10K to $1M
  • Peril-specific deductibles available for tailored risk retention options

Policy Term

  • Policies available up to 36 months
  • Extensions are processed by endorsement upon request

Coverage Extensions

  • Personal liability for homeowner, limited to the resident promises, is available at limits up to $1M
  • High limit options for soft costs, backup of sewer/drain, daterials in transmit, and loss of use
  • 25% debris removal and 10% rebuilding to code are quoted by default for most projects
  • Important builders risk additional coverage limits such as Expediting Expenses and Valuable Papers and Records are included at limits exceeding industry standards.

*Liability coverage not available in NY

Change Order Coverage

  • Provides extended coverage for unreported change orders when a total loss reveals that the cost to build exceeds the Covered Property Limit. It is designed to address limit shortfalls caused by increase in project scope, value, or cost that had not yet been reported to Starwind prior to the loss.

CAT Perils

  • Named Storm and Wildfire (Coverage is included)
  • Earthquake (Coverage up to policy limits available by endorsement in every state, including CA)
  • Flood (Excluded in our form however we will facilitate a primary or excess flood quote with Starwind FPS)

Vacant Homes + Condo Units Scheduled for Renovation

  • An option to help new owners who are closing on a property with plans to renovate within 6 months. Secure a policy providing coverage for the replacement cost of the existing property. Prior to expiration, once construction plans have been finalized, we will endorse to reflect the new policy term and coverage needed to protect them during the renovation.

Preferred Pricing + Terms

  • Policies written at project inception
  • Experienced GC's specializing in high-value residential construction
  • Documented jobsite safeguard and loss prevention protocol
  • Location outside of highly concentrated, CAT exposed communities

Excess + Surplus

  • Mid-term construction
  • Waiver of subrogation
  • CAT-exposed locations
  • High-profile clients
  • Renovations with a high ratio of existing to new property
  • Spec Homes
  • Repairs and Rebuilds following a prior loss
  • Protection Class 9 & 10
  • Flexibility

Eligible States

AZ, CA, CO, CT, FL, GA, HI, ID, IL, MA, MI, MT, NC, NH, NJ, NM, NV, NY, PA, RI, SC, TN, TX, UT, WA, WI, WY

Appointed Brokers:

Completing our submission form and emailing it to cocquote@starwindins.com is the fastest way to receive a quote

We are happy to accept submission information in whatever format works best for you, whether provided in the body of an email, on our submission form, or through another application.

Providing the complete information requested in this section will help our underwriting team respond quickly and deliver the fastest possible turnaround time.

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  • Insured name
  • Mailing address and risk location address. Please indicate if risk location is a condo/apt/townhome.
  • Requested effective and expiration dates
  • Project start date
  • Project type: ground-up, major renovation, cosmetic renovation, addition, or vacant-to-be-renovated
  • Project budget
  • If Ground-up, please provide construction type, square footage, roof shape and covering
  • Brief project description
  • Replacement cost for structure not under construction (for renovations, this may be aligned with the current Coverage B limit)
  • General contractor name, address, CGL limits carried, CGL carrier, and if applicable, umbrella coverage carried.
  • For renovation and additions, provide the current replacement cost, information on recent updates to home systems and roof, and indicate if plumbing electric, HVAC and roof will be replaced as part of the project
  • Supporting documents such as construction agreement, liability, certificates, plans, and detailed budget
  • Any additional context that will help us understand the account, timing, and key underwriting considerations

Resources to support
you at every step:

Access key resources to help move projects from review to placement with more clarity and confidence. The construction overview, builders’ risk application, and appetite guide provide practical insight into program details, submission requirements, and project eligibility, helping strengthen submissions and support more informed conversations with clients throughout the construction lifecycle.

Download the resources to get started.

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CONSTRUCTION
OVERVIEW

DOWNLOAD
APPLICATION

APPETITE
GUIDE

Partner with our team!

We distribute exclusively through licensed insurance professionals and value long-term partnerships with agents who specialize in serving affluent clients and complex residential construction risks. While we welcome introductions from agents, all distribution relationships are subject to review and approval by Starwind.

To discuss our appetite, explore a potential partnership, or determine whether a risk may be a fit for the program, contact the Starwind Private Client team.

Submission inbox | cocquote@starwindins.com

For more information | privateclient@starwindins.com

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