Homebuilders Insurance

Reduce project risk with tailored insurance

Homebuilders face complex risks such as rising costs, construction defects, subcontractor liability, regulatory compliance and catastrophic (CAT) events which can all impact your projects and bottom line. Traditional construction insurance may not sufficiently address these specific risks, making tailored coverage essential for homebuilders.

Common challenges facing homebuilders

Homebuilders operate in an increasingly complex environment where financial pressures, liability risks and evolving regulations create significant obstacles. Rising insurance premiums continue to put a strain on profitability, making it essential for builders to find cost-effective risk management solutions. Construction defects and callbacks remain a persistent challenge, as even minor issues can lead to costly repairs, reputational damage and legal disputes.

Managing subcontractor liability is another critical concern. Without proper oversight, subcontractors may not have adequate insurance coverage or fail to meet performance standards, exposing homebuilders to unnecessary risk. CAT events, such as wildfires and severe storms, threaten projects at every stage of construction, underscoring the need for comprehensive insurance protection. At the same time, shifting regulations require homebuilders to stay ahead of compliance requirements to avoid delays and potential legal exposure.

How HUB helps homebuilders reduce risk

HUB has deep industry expertise to understand the unique risks homebuilders face and provides tailored insurance solutions designed to protect your business and bottom line. From general liability insurance for homebuilders to builder’s risk and warranty insurance, we ensure that you have comprehensive protection for your projects.

For the growing build-to-rent (BTR) sector, we offer exclusive programs that address the distinct risks of large-scale residential developments. HUB can also provide coverage for post-construction defects, helping builders enhance their credibility and ensure homeowner satisfaction.

Beyond insurance, HUB supports homebuilders with strategic risk management solutions. From subcontractor prequalification programs to contractual risk transfer strategies, we help builders implement best practices that reduce liability exposure and strengthen project oversight. By partnering with HUB, homebuilders gain expert guidance to control costs, mitigate risks and protect their projects — allowing you to build with confidence.