Business Details
25 Years
experience
Trusted Construction Insurance Solutions in Denver, CO
Golden Insurance has been providing specialized warranty and liability products since our licensure in 2001. Domiciled in North Carolina and regulated by the North Carolina Department of Insurance, we operate in 44 states. Our team of highly trained professionals focuses on Commercial General Liability and Excess Insurance for builders, contractors, and artisans, underwriting each account case-by-case to meet specific client needs.We excel in handling unusual contractors and risks beyond standard operations, offering competitive pricing and market-leading reinsurance partnerships with Lloyds of London, Four Points Re, and Strategic Risk Solutions. Our commitment to personalized underwriting and risk management solutions has established us as a trusted partner for construction industry professionals nationwide.
Services
Primary Commercial General Liability
Excess Liability Coverage
Risk Retention Group Membership
Tail Coverage
Builders & Contractors Insurance
Details
- Year established: 2001
Highlights and features
- We specialize in Commercial General Liability and Excess Insurance for construction professionals.
- Our team underwrites each account case-by-case to meet specific needs.
- We offer competitive pricing and market to producers with competitive commissions.
- We are reinsured by Lloyds of London, a leading specialist insurance market.
- We specialize in underwriting unusual contractors and risks beyond standard operations.
Services
Primary Commercial General Liability
We offer Primary Commercial General Liability insurance with $1mm$2mm limits on a claims-made basis. Defense costs are included within policy limits. Coverage excludes prior acts, terrorism, and earth movement. Policies are available for general contractors rated on gross receipts and artisans rated on payroll or revenues.
Excess Liability Coverage
Excess Liability coverage is available over primary policies with at least $1mm limits. We provide up to $2mm in additional coverage over A-rated, B-rated, or RRG programs. Policies require a 5% membership fee and are claims-made forms with minimum premiums starting at $2,000.
Risk Retention Group Membership
Our Risk Retention Group membership includes access to specialized insurance programs and reinsurance partnerships. Members receive competitive pricing, underwriting flexibility, and a 5% subscription fee applied to premiums for participation in our risk retention group.
Tail Coverage
Tail coverage options are available for 12 years to extend claims reporting periods. This coverage ensures continued protection for incidents occurring during active policy terms but reported after expiration, providing long-term risk management solutions for construction professionals.
Builders & Contractors Insurance
We specialize in insurance solutions for builders and contractors, including general liability, excess coverage, and warranty products. Our case-by-case underwriting accommodates unique risks, with significant rate incentives for StrucSure Home Warranty program participants and flexible deductible options.
Questions
What types of insurance does Golden Insurance offer for construction professionals?
We provide Commercial General Liability and Excess Liability coverage tailored for builders, contractors, and artisans, with flexible limits and deductible options.
How can I get a quote for Golden Insurance policies?
Contact us at (888) 654-6565 or visit our website to request a quote. Our team provides personalized risk assessments and competitive pricing.
In which states do you offer coverage?
We operate in 44 states, providing specialized insurance solutions for construction professionals nationwide.
Do you offer coverage for unusual or high-risk construction projects?
Yes, we specialize in underwriting unusual contractors and risks beyond standard operations, with case-by-case underwriting to meet specific needs.
What reinsurance partners support Golden Insurance?
Our reinsurance partners include Lloyd’s of London, Four Points Re, and Strategic Risk Solutions, ensuring robust protection for our policyholders.
