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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.




Contractor's 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



Worker's Compensation

Worker’s Comp, as it is commonly known, covers five basic things: (1) Medical expenses, (2) Disability benefits, (3) Lost wages due to (4) work related injuries, or (5) work related illness.



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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    The RWC Insurance Advantage (RIA) is proud to announce the addition of Risk Exchange to our growing list of insurance partners. Risk Exchange handles Worker’s Compensation Coverage for us in a number of states.* This is a big deal for RIA. As you are probably only too aware, finding worker’s comp when you are a...


    Membership has its privileges?  Yeah, right! you may be thinking.   Advertising one-liners like that used to be called bromides.  Bromide:  A trite and unoriginal idea or remark, typically intended to soothe or placate.  Frankly, we want your business.  Like our competitors, we want to distinguish ourselves in your mind so that you will want to do...


    In last month’s blog we talked about one of the main kinds of losses covered by general liability insurance: premises / operations, or coverage for “trips and falls” by members of the public. We saw how these claims aren’t always reported when they happen. In fact, the claimant may not even know they are hurt...



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