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General Liability

General Liability is insurance that protects you from a variety of claims including bodily injury to members of the public and damage to property belonging to others that arise out of your business activities.



Umbrella / Excess

A Commercial Umbrella Policy is designed to provide protection against catastrophic losses and is written over various primary liability policies, such as the commercial general liability (CGL) policy sold by the RWC Insurance Advantage.



Builders Risk

Builders Risk insurance protects your financial interest in the materials, fixtures and/or equipment being used in the construction, or renovation of a building, or structure in the event they are damaged or destroyed by a covered cause of loss like fire, windstorm, vandalism or theft.



Contractors Equipment

Contractors Equipment coverage is property insurance that covers the loss of, or damage to covered equipment owned by you, or in your possession resulting from such hazards as fire, theft or vandalism.




What Is The RWC Insurance Advantage?

As a leader in the residential home building industry we are committed to providing general liability insurance and select other coverages to members of the Residential Warranty Company, throughout the United States*.

The RWC Insurance Advantage is underwritten by Western Pacific Mutual Insurance Company (a Risk Retention Group) and administered by Integrity Underwriters.  We are one of the few RRGs to earn an A- Excellent, A.M. Best rating with a stable outlook.

We understand builders because that is all that we insure!

We offer preferred pricing to our membership.

Please see our information on why membership is necessary. Interested in becoming a member? Click here to become a member of the RWC warranty program.

*Availability subject to Underwriting.





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Report Claim

Need to report a claim? We're here to help! Click below, and you can report a claim online, or do it over the phone.

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    Hypothetical situation. Let's say you've been contracted to build a custom home by someone who was referred to you by a satisfied customer. This individual owns the land and is financing the project out his own pocket. You are the general contractor with complete authority over the entire project. The single family home you're building...

  • My Subs Are Covered Under My Policy, Aren’t They?

    Last year we posted a blog called BEWARE OF THE SUBCONTRACTOR GAP.  We said “The RWC Insurance Advantage does not exclude claims arising out of the work done for you by your subcontractors. If your current General Liability company won’t cover the work your subs do for you, what do they cover?”*    This is so important it is...

  • Umbrella & Excess

    When it rains, it pours. Apart from being a very old expression, its also a glass-is-half-empty kind of thought; something a little on the negative side. Now consider the net worth of your business. If your general liability limit is the standard $1 million for each occurrence, is that enough to protect all your business...



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