When residential builders need insurance, speed isn’t the only thing they care about. Coverage gaps, underwriting delays, and vague liability clauses can all derail a project before the shovel hits the ground.
AU Gold was built to sidestep those problems. It’s fast, yes—but it’s also structured to deliver real coverage for real risks, without overcomplicating the placement process. For brokers looking to grow their residential construction book, this is the kind of program that builds trust and brings clients back.
View the full COC program breakdown
Clear Limits, No Guesswork
Brokers need to know upfront if a file is a fit. AU Gold makes that easy:
- Project value up to $2,000,000
- Structures up to 3 storeys or 20,000 square feet
- Residential, commercial, and mixed-use builds accepted
If your client is starting from scratch on a residential build, this program is ready. And if the property is outside the box, Jason Sweet can help you get clarity fast.
Soft Costs Covered—Because Delays Aren’t Free
Most COC programs gloss over soft costs—or exclude them entirely.
AU Gold includes a $10,000 sublimit for soft costs triggered by a covered loss. That means your client has protection for things like:
- Financing costs
- Legal fees
- Permit and inspection delays
- Realty tax adjustments
It’s one of the most overlooked features in the market—and a huge value add when you’re advising builders who can’t afford to eat those expenses.
Theft and Vandalism Protection That Doesn’t Require a Fight
Too many COC policies restrict theft coverage or exclude it outright unless materials are secured in a certain way. AU Gold includes:
- $25,000 theft of building materials (standard)
- Vandalism and malicious mischief coverage
- Full replacement cost on multi-peril forms
If your builder client’s copper goes missing—or framing gets trashed—they won’t be stuck arguing technicalities.
Policy Terms That Fit the Build Timeline
Not every job runs on a clean 12-month schedule. AU Gold offers:
- Policy terms of 3, 6, 9, or 12 months
- Extension option up to 18 months
It’s flexible enough to follow your client’s project, not force them into a billing cycle.
No Extra Charge for Additional Insureds
This is a small detail with a big impact.
Most programs will nickel-and-dime your client for every added stakeholder. AU Gold allows you to name additional insureds at no added cost. Whether it’s a lender, GC, or investor group—they’re included.
Pair that with liability options up to $2,000,000, and you’ve got a turnkey solution that satisfies project partners out of the gate.
Backed by Lloyd’s. Quoted in Minutes.
Every policy sits on “A” rated Lloyd’s paper, giving your builder clients the strength of global coverage. But it doesn’t feel like a Lloyd’s process.
The AU Gold quoting platform lets you:
- Get indications in minutes
- Bind quickly
- Work with a dedicated MGA partner—not a call centre
📄 Download the AU Gold COC Guide
Next Step: Add This Program to Your Playbook
If your brokerage works with builders, real estate investors, or clients breaking ground on new builds, this program should be on your shortlist.
Contact Jason Sweet to get prepped for your next residential COC submission—or use the quoting platform to start placing files today.
