Activity for new construction projects and renovations of existing buildings has been challenged by rates and building supply inventory in 2025. Make sure your clients’ coverage isn’t challenged when renovating a vacant home, renovating a commercial space, or building from the ground up. USLI can review these projects for the coverage needed.
New ground up construction projects up to $3 million (reduced capacity in coastal areas):
- Policy period for full duration of construction with extension available via endorsement
- All risk coverage, including theft, and no sublimit for theft of building materials
- Builders’ Value Plus endorsement automatically offered, which provides soft costs, equipment breakdown, temporary structures and more
Vacant buildings or leased space with up to $1 million in non-structural renovation work:
- Policy terms for shorter projects are available with no minimum earned premium (3-, 6- and 9-month term options)
- Coverage for business personal property available up to a $250,000 limit
- General liability for work done by contractors can be added (when premium is charged for the renovations)
- Renovations over $1 million or involving structural work may be eligible for coverage under our Construction and Premises Protective product
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