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Proud Member Of Home Builders Association Of Greater Chattanooga
New homes, renovations, and subcontracted work create different insurance needs. Explore the questions to ask as your business and projects change.
Part of Greater Chattanooga’s building community
The Home Builders Association of Greater Chattanooga brings together builders, remodelers, developers, and related businesses in the region.
Our membership connects The Southern Agency with this building community. We help business owners review insurance around the work they actually do, from their first project to a growing operation.
Insurance considerations
New construction and renovation
Work on an occupied home raises different questions from a new build. Describe structural work, existing property, and occupancy before arranging project coverage.
Subcontracted work
Discuss who performs each trade, how subcontractors are insured, and what your contracts require. Coverage should be reviewed alongside those agreements.
A growing operation
Additional employees, a new work vehicle, or larger projects can change your exposure before the next renewal. Let your agent know when operations change.
Industries
These guides reflect the new homes, renovations, and coordinated trade work represented in Greater Chattanooga’s building community.
- Single-Family Home BuilderFor new residential projects around Greater Chattanooga, from the first site work to completion and sale.
- Residential RemodelerFor additions and renovations in occupied homes, including existing structures and customer belongings.
- General ContractorFor businesses coordinating trades, subcontractor insurance, and project obligations across the region.
Policy types
Review where each project sits and where your crews work, including work across state lines if that applies. These are discussion topics, not association benefits.
- Builders Risk InsuranceExplain whether the project is a new build or renovation, and identify existing property, occupancy, and the expected completion date.
- General Liability InsuranceReview subcontracted work, additional insured requirements, and completed operations alongside your construction agreements.
- Workers Compensation InsuranceBring payroll, employee duties, and work locations; discuss any operations on both sides of a state line.
- Business Auto InsuranceReview added trucks, drivers, and regular trips between sites when the business expands.
- Inland Marine InsuranceDescribe the tools and equipment moving between Chattanooga-area projects and any materials stored off site.
