Binder

For brokers

Less searching. More quoting.

Stop searching carrier guides one PDF at a time. Binder helps producers identify likely markets, understand requirements, and move promising submissions forward faster.

Example scenario

$1.8M mixed-use renovation

Providence, Rhode Island

Project type
Mixed-use renovation
Property
5 stories · Retail + 8 units
Total insured value
$1,800,000
Construction
Masonry · Built 1925
Coverage
Builder’s risk
Deductible
$25,000
Ask about your scenario
Binder analysis

Compared against approved carrier and internal guidance.

Sources verified

Carrier A

Strong fit

Appetite

Mixed-use, renovations, habitational

Commercial Appetite Guide · p. 14

Required conditions

  • GC experience on 5+ similar projects
  • No lapse in prior insurance
  • NFPA 13 sprinkler system
Builder’s Risk Manual · p. 21

Exclusions

Earth movement · Flood · Wear and tear

Policy Form BR 00 21 04 22
$25K deductible · Replacement cost · $3M occurrence limit

Carrier B

Possible

Appetite

Mixed-use and renovation projects

Appetite Enhancements · p. 8

Required conditions

  • GC experience on 10+ similar projects
  • 25% minimum equity
  • Written retrofit plan before binding
Construction Guide · p. 11

Exclusions

Earth movement · Flood · Named storm

Policy Form BR 12 01 23 19
$50K deductible · ACV · $2M occurrence limit
1Share the scenarioProvide the risk details and question.
2Binder analyzesCheck appetite, rules, and exceptions.
3Review the evidenceCompare guidance and exact citations.
4Move with confidenceAdvance the best-fit submission.

Built for the producer workflow

Keep attention on clients, not documents.

Faster market selection

Surface the likely fits and the conditions that matter before the producer invests time in a full submission.

Consistent guidance

Help new and experienced producers work from the same current, approved body of knowledge.

Answers producers can defend

Keep the exact source beside every answer so your team can verify before acting.