Why Homebuilders Need Insurance Agents Who Specialize in Construction Risk

The Problem with General Insurance Agents in Construction

When a builder calls their agent to report a construction defect, they expect answers.

But too often, they get excuses:

• "Let me check with underwriting."
• "I’ll email the carrier."
• "We’ll get back to you."

Meanwhile, you’re burning time, energy, and margin—because your agent doesn’t speak your language.

Generalist Agents Don’t Understand Construction Risk Management

Generalist agents often:

• Sell policies they don’t understand
• Miss critical industry-specific exposures
• Leave you carrying risk you thought was covered

And when a claim arises? It's you - not the agent- who pays the price.

Mike Gagnon, VP of Sales at Maverick Risk—and a homebuilder himself—put it bluntly:

Builders Deserve Advisors Who Know the Industry Inside and Out

Homebuilding is complex. Construction defect litigation is even more complex. You can't afford an agent who is learning on your dime.

At Maverick, we only work with builders and contractors. Nothing else. No personal lines. No flower shops. No tire stores.

Every advisor on our team knows:

• What a joist is
• How subcontractor agreements should be structured
• How to bulletproof COIs
• How to identify risk gaps in GL policies
• How warranties and arbitration clauses impact coverage

Real Protection Starts with a Construction-Focused Insurance Partner

When you work with a specialist, you’re not just buying a policy. You’re building a long-term risk strategy that protects your projects, your profits, and your peace of mind.

Book your consultation now.