Georgia builders risk insurance · residential and commercial
Georgia builders risk, quoted to your contract and your lender.
New construction, renovations and additions, residential and commercial, anywhere in Georgia. For general contractors, spec builders, renovation investors and developers. Tell us about the project once. We shop our builders risk markets, call you back within 1 business day, and work out the certificate details your lender or contract asks for.
Rather talk now? (470) 648-6767
Quick answer: Quinn Alliance LLC is a Georgia licensed insurance agency (#244699) based in Dallas, GA that quotes builders risk insurance for residential and commercial projects in metro Atlanta and all of Georgia, including new construction, renovations, additions and tenant build-outs. Builders, investors and developers can apply online or call (470) 648-6767, and a licensed agent responds within 1 business day.
- Projects
- New construction, renovations, additions, installations
- Property
- Residential (1 to 4 units) and commercial, including multifamily
- Who applies
- GCs, spec builders, renovation investors, owners, developers
- Area
- Metro Atlanta and all of Georgia
- Response
- Within 1 business day
Quinn Alliance LLC is a Georgia licensed insurance agency (#244699). We place builders risk through the carriers and programs we're appointed with. Coverage availability depends on the project and underwriting.
Projects we quote
Residential and commercial
Ground-up builds and renovations of existing buildings, from a single kitchen remodel to a multi-story commercial project. Availability depends on the project and underwriting.
Residential
- Custom and spec homes
- Duplexes up to 4 units, townhomes
- Additions and second stories
- Kitchen, bath and whole-house renovations
- Structural remodels, including load-bearing walls
- Installation work: roofing, HVAC, cabinets, flooring
Commercial
- Retail, office and mixed-use buildings
- Multifamily, 5 units and up
- Hotels and hospitality
- Convenience stores, gas stations, dealerships
- Tenant build-outs and interior renovations
- Storefront remodels and building expansions
Field notes
What a fast quote needs
Builders risk applications ask for the same things nearly every time. Have these handy and the quote moves quickly.
- Project address and county
- Completed value, not counting land
- Start and completion dates
- Construction type, square feet, stories
- Your years building and recent volume
- Any claims in the last 5 years
- Lender's insurance requirements
- Construction contract insurance section
- For remodels: year built and scope of work
- Who must be named on the policy
A licensed agent contacts you within 1 business day of your request, by call, text or email, the way you choose.
We serve all of Georgia, with most projects in Fulton, Cobb, Gwinnett, DeKalb, Cherokee, Forsyth, Henry, Paulding, Douglas and surrounding counties.
Tool
Completed value worksheet
Every builders risk application asks for the completed value. Add up your numbers here, then send the total to your application.
Example numbers shown. This is a planning estimate only. The carrier's application sets what's included in completed value, and we confirm it with you before quoting.
Why it matters
Completed value is the main number a builders risk carrier rates on. Premium also depends on construction type, location and fire protection, project length, deductible and the carrier's minimum premium.
We don't publish price ranges because two similar projects can price very differently. The fastest way to a real number is a complete application.
Educational information for Georgia projects. Not a quote and not a statement of coverage.
Bidding the job?
Bid, performance and payment bonds
Commercial and public projects often need a bid bond before the award and performance and payment bonds before work starts. Many contract bonds can be applied for online and issued once approved. Larger bonds take a fuller underwriting review.
Bonds are subject to surety underwriting and approval, which usually includes a credit review. A bond is not insurance for the contractor.
Before you buy
Owner, builder or lender?
The most common question we get. The answer is in your paperwork, not in a rule of thumb.
Check your contract
Construction contracts usually say who buys builders risk and who must be named on it. Many residential contracts put it on the builder; many commercial contracts put it on the owner. Read yours, or send it to us and we'll quote to what it asks for.
Check your loan
Construction lenders often list insurance requirements in the commitment letter, including how they want to be shown on the policy. Send us that page. Getting it right the first time keeps your closing on schedule.
Who you'll talk to
Frank Quinn, agency principal
Frank was born into construction and is well rounded and knowledgeable across the trades, residential and commercial. After studying construction management, he earned an accounting degree and then studied corporate finance while working in insurance and risk management. Quinn Alliance focuses on the construction trades and reads a project the way a builder does, so your application moves forward from the first call, backed by prompt, reliable service.
- GA agency license #244699
- Construction management
- Construction trades insurance specialist
- Risk management
Questions
Builders risk in Georgia, answered
Who usually buys builders risk, the owner or the contractor?
It depends on the construction contract and the lender. Either party can be the named insured. Tell us who your contract or loan requires, and we quote to that requirement.
Is builders risk required in Georgia?
It is usually required by a construction lender or a construction contract, not by the building permit office. Check your loan commitment letter and the insurance section of your contract.
What do I need to get a quote?
- Project address and county
- Completed value, not counting land
- Start and expected completion dates
- Construction type, square feet and stories
- Your years of experience and recent project volume
- Any claims in the last 5 years
- For remodels: year built and scope of work
How fast will I hear back?
A licensed agent contacts you within 1 business day. Complete applications move fastest, so the full application above is the quickest route to a quote. If you have a closing date, put it in the application and we'll plan around it.
How is builders risk priced?
Carriers rate mainly on completed value, then adjust for construction type, location and fire protection, project length and deductible, subject to a minimum premium. We don't publish price ranges. Your quote comes from the carrier, in writing.
Do you quote commercial builders risk?
Yes. We quote commercial projects including retail, office, hospitality, multifamily and tenant build-outs, along with residential work. Larger commercial projects may need extra information, such as a site plan or construction schedule.
Can I get builders risk for a renovation or addition?
Many of our markets write renovations and additions, residential and commercial, as well as new construction. We'll ask the year the building was built and the scope of work.
I'm renovating an investment property with a construction loan. Can you help?
Yes. Renovation lenders usually ask for proof of builders risk before they fund. Put your lender and closing date in the application and send their insurance requirements. We quote residential and commercial renovations, including properties you plan to sell or rent.
I build several homes a year. Do I need a separate policy for each?
Not always. Some carriers offer reporting-form or multi-project policies for builders with steady volume. Availability depends on the carrier and your history. Mention your volume in the application and we'll show you the options.
Can you help with bid and performance bonds too?
Yes. We place bid, performance and payment bonds for Georgia contractors. Bonds are subject to surety underwriting, which usually includes a credit review. Check the bond box in the application, or apply for a contract bond directly from this page.
Is builders risk the same as general liability?
No. They are separate policies with different purposes. If you check the GL and workers comp box in the application, we'll review those with you on the same call.