Program Administrators - Totalis


Programs & Coverages: Residential Construction

M340 Madison Avenue, 20th Floor | New York, NY 10173


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Company Description

Totalis Program Underwriters is a scaled and integrated platform providing specialty expertise and solutions for challenging and underserved areas of the market. With a growing collection of highly regarded specialty programs in multiple industries, we’re leveraging opportunities to enhance and innovate solutions for today’s most complex risks.

Totalis programs are all built to deliver superior customer service, disciplined underwriting expertise, and long-term profitability and sustainability for our valued distribution and carrier partners and insureds. Dedicated to continually elevating the breadth of knowledge and depth of experience essential to driving business growth, Totalis is where industries turn for solutions.

Programs & Coverages

Residential Construction

We are a proven leader in the industry with a targeted focus on strong general liability & builder’s risk policies which are supported by industry-leading loss control, risk management and construction quality assurance. To protect our builders’ assets, we employ a combination of comprehensive risk management techniques paired with a broad insurance policy.

Since 1999, our experienced construction underwriters have written over $900 million in premium for new construction risks throughout the country.

Our product offerings include the following:

New Construction GL

  • Project-Specific and Wrap Policies
    • Terms Up to 36 Months and Including Extended Products-Completed Operations Coverage
    • Pay-As-You-Sell Options Available
  • Annual, Renewable Practice Policies (Admitted in AL, AZ, FL, GA, LA, OR, UT, and WA – Non-Admitted in Most Other States)
  • Limits Up to $10M
  • No Limitation on Tract Home Builders
  • Appetite Includes New Construction of:
    • Single-Family Homes
    • Fee-Simple Townhomes
    • Condominiums
    • Mixed-Use
    • Up to 7-Stories and $40M in Cost Per Building

Builder’s Risk

  • Residential and Commercial Buildings Up to $10M in Insured Value
  • Flood and Earthquake/Sinkhole Available in Some Areas
  • Coastal Florida Wind Coverage Available
  • Multiple Products:
    • Standard Blanket
    • New Starts Reporting
    • Single-Shot With Term Up to 24 Months and Extensions Available 
  • Modified Blanket – This is Unique to ISG (Premium is Charged Only For the Number of Months it Takes to Build and Sell Each Structure)

For more information on Residential Construction, please visit

Ellen Goldstein