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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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    Have you ever been sued?  If you’re in most any business long enough the odds are you will face some kind of litigation sooner or later.  Maybe you already have.  If so, your general liability insurance company probably paid to defend you.  These defense costs did not reduce the limit of insurance in your policy. ...


    In our February 2019 blog we discussed the 7 BASICS of a good loss control program.  But, where do you have the most risk for accidents?  Obviously, knowing this will allow you to focus your loss control efforts more efficiently.  It turns out most businesses have the greatest risk in 5 AREAS. These suggestions are intended as a...


    In an earlier blog (July 19, 2017) we talked about how safety meetings can LOWER YOUR INSURANCE COSTS by earning you UP TO 25% DISCOUNT off your first year’s general liability premium, if you are new to our program, or at your next renewal.  But what if you don’t have a formal loss control program?  You may be doing...



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