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More Capacity. More Confidence. Builders Risk Up to $300M.

Expertise

February 23, 2026

In today’s construction market, rising costs, climate uncertainty, regulatory shifts, and increasingly complex project requirements are putting unprecedented pressure on Builders Risk programs. Traditional single‑carrier solutions can struggle to keep pace—especially as project values continue to climb. That’s where quota share becomes a strategic advantage.

A quota share structure brings multiple insurers together to share premiums, limits, and losses at pre‑set percentages. For brokers and customers, this means expanded capacity, greater stability, and the ability to confidently insure even the most complex or high‑value projects.

Why Quota Share Matters Now:

Construction risks are evolving quickly:

Escalating project costs driven by labor shortages, material price volatility, and supply chain disruptions.
Climate volatility causing unpredictable losses—even in historically low‑risk regions.
More frequent and costly claims, especially from water damage, fire, and theft.
Regulatory pressures increasing overall project values and complicating insurance needs.

Together, these trends are reshaping capacity needs across the market.

How Quota Share Solves These Challenges

A well‑structured quota share helps you deliver stronger solutions for your clients by:

Spreading risk across multiple carriers, enabling support for large and complex projects.
Providing stable, sustainable capacity even in higher risk segments like wood‑risk segments like wood-frame or renovation work.
Managing increasing adverse weather events and regulatory shifts that are driving greater unpredictability in the market.
Maintaining flexibility to address infrastructure projects with high limits and unique risk profiles.

Now Available: Up to $300M in Capacity

Our Inland Marine division is expanding its commitment to Builders Risk by offering up to $300 million in capacity for both 100% placements and quota share.

This enhanced limit enables you to:

Confidently insure large scale and high‑value projects.
Bring comprehensive solutions to complex or CAT-exposed builds.
Meet increasing demands for faulty work and other expanded coverages.
Deliver competitive, reliable coverage in a market facing significant uncertainty.

Let’s Build Better Risk Solutions Together

If you're navigating capacity concerns, facing challenging project profiles, or simply exploring whether quota share can strengthen your Builders Risk placement strategy, our inland marine specialists are here to help.

Let's start something

This article is provided for general informational purposes only and does not constitute and is not intended to take the place of legal or risk management advice. Readers should consult their own legal counsel or other representatives for any such advice. Any and all third-party websites or sources referred to herein are for informational purposes only and are not affiliated with or endorsed by Intact Insurance Group USA LLC (“Intact”). Intact hereby disclaims any and all liability arising out of the information contained herein.

Intact Insurance Specialty Solutions is the marketing brand for the insurance company subsidiaries of Intact Insurance Group USA LLC. Coverages may be underwritten by one of the following insurance companies: Atlantic Specialty Insurance Company, a New York insurer; Homeland Insurance Company of New York, a New York insurer; Homeland Insurance Company of Delaware, a Delaware insurer; OBI America Insurance Company, a Pennsylvania insurer; OBI National Insurance Company, a Pennsylvania insurer; or The Guarantee Company of North America USA, a Michigan insurer. Each of these insurers maintains its principal place of business at 605 Highway 169 N, Plymouth, MN 55441, except The Guarantee Company of North America USA, which is located at One Towne Square, Southfield, MI 48076. This material is intended as a general description of certain types of insurance coverages and services. Coverages and availability vary by state; exclusions and deductibles may apply. Please refer to your insurance policy or consult with your independent insurance advisor for information about coverages, terms and conditions. Some coverage may be written by a surplus lines insurer through a licensed surplus lines broker. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds.