Builders Mutual Insurance
Builders Mutual sells business insurance in Florida.
Based in Raleigh, NC. In Florida since 2011.
Taking new business policies
Florida company code 06492, NAIC 10844.
Policies in force
Not available
No count on file
Latest rate change
Not available
No rate change on file
Financial strength
A (Excellent)
From AM Best, as of Oct 20, 2026
Complaints
2 complaints in 2025 (NAIC, nationwide)
NAIC, 2025, nationwide, all lines
Near you
Can I get a policy?
We're still gathering this company's rules. Call and we'll check for you.
Two choices when your Builders Mutual rate goes up
You have two choices. One 5 minute call covers both.
Before you call, see the Florida home insurance renewal checklist.
Shop your renewal in one call
One call. A licensed agent shops other companies for you, free.
What's changed recently
Is Builders Mutual leaving Florida? No sign of it. On Oct 20, 2026 their site offered workers' comp in Florida, and OIR showed both of their insurers as active. As of Nov 2, 2026. Source: buildersmutual.com.
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A second Builders Mutual firm gets a license
OIR says Builders Premier first got their Florida license on March 22, 2022. They are licensed for workers' comp only.
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Builders Mutual gets their license
OIR says Builders Mutual first got their Florida license on July 22, 2011.
Rate history
No rate filings tracked yet.
15 years in Florida
In Florida since 2011. Has paid claims through 10 hurricanes.
Compare Builders Mutual side by side
| Builders Mutual | State Farm | Slide | |
|---|---|---|---|
| New policies | Taking new policies Checked Nov 2, 2026 | Taking new policies Checked Nov 2, 2026 | Taking new policies Checked Nov 2, 2026 |
| Florida policies | Not available | 654,641 Florida OIR, Jul 31, 2026 | 475,227 Florida OIR, Jul 31, 2026 |
| Latest rate change | Not available | +0.8% Home, from Jan 15, 2026 | Not available |
| Complaint index | 2 complaints in 2025 (NAIC, nationwide) NAIC, 2025, nationwide, all lines | 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. | 0.88 NAIC, 2025, nationwide, homeowners. 1.00 is average. |
| Financial rating | A (Excellent) AM Best, Oct 20, 2026 | A- (Excellent) AM Best | A (Exceptional) Demotech, Oct 7, 2026 |
| In Florida since | 2011 | 1934 | 2022 |
People also compare with
- State Farm Taking new policies
State Farm sells home, condo, renters and auto policies in Florida. They use their own agents. Home policies come from State Farm Florida, a Florida only firm.
- Slide Taking new policies
Slide is a Tampa home insurer founded in 2021. They grew fast by taking on policies from Citizens, UPC, St. Johns and Farmers customers in Florida.
- Tower Hill Taking new policies
Tower Hill is a Gainesville insurer. They have covered Florida homes since 1972. New policies come from the member owned Tower Hill Insurance Exchange.
- Frontline Taking new policies
Frontline is the Lake Mary brand behind First Protective. New Florida home policies now come from their FIRE exchange, open statewide.
- Citizens Taking new policies
Citizens is run by the state and covers Florida homes when no private company will. They sell home, condo, renters and wind only plans.
More on our list of Florida commercial insurance companies.
Florida guides for Builders Mutual customers
Questions people ask about Builders Mutual
What is the Builders Mutual claims phone number?Call the Claims Center at 800-809-4862 to report a claim.
Their claims page also lists email and online ways to report one.
What is the Builders Mutual customer service number?Call 800-809-4859, Monday to Friday, 8 a.m. to 6 p.m. Eastern.
The same line takes billing and policy questions.
Does Builders Mutual sell workers' comp in Florida?Yes.
Their site says workers' comp is the only line they offer in Florida. They added Florida in 2013.
Source: Builders Mutual coverages and about pages, read Oct 20, 2026
Is Builders Mutual licensed in Florida?Yes.
OIR lists two Builders Mutual firms as active in Florida. The main one got their Florida license in 2011.
Who pays my workers' comp claim if Builders Mutual fails?A state fund pays.
Florida law says each workers' comp insurer must join it. If a court closes an insurer that cannot pay their debts, the fund pays covered claims, within limits. Its name is the Florida Workers' Compensation Insurance Guaranty Association.
Source: Sections 631.904 and 631.911, Florida Statutes, read Oct 20, 2026
Is Builders Mutual a good insurance company?Public data only: AM Best rates Builders Mutual Insurance Company A (Excellent).
AM Best affirmed that on May 14, 2026. The NAIC shows 2 complaints against it in 2025, all lines. That is too few to compare.
Builders Mutual reviews and complaints: what the public data shows
Builders Mutual rating
- Complaints
- 2 complaints in 2025 (NAIC, nationwide) NAIC, 2025, nationwide, all lines. As of Oct 20, 2026.
- Years in Florida
- Since 2011 (15 years)
- Regulatory actions
- Not available
No star ratings and no user reviews, only public data.