FLIProtect Insurance

FLIProtect Insurance is a specialized coverage solution offering both Property and General Liability coverage to protect the insurable interests of property owners, general contractors, house flippers, investors, and developers involved in residential or commercial renovation and remodeling projects. This tailored policy safeguards buildings and structures under construction or improvement, offering essential protection against risks like property damage, severe weather, theft, or third-party liability.

About FLIProtect Coverage

Protect your remodeling business with top-tier insurance backed by an A rated carrier and supported by elite customer service that understands your unique needs. Remodeling projects come with a range of risks—property damage, weather-related damage, liability claims—and without the right coverage, one mistake can cost you everything.

Our specialized remodeling insurance provides peace of mind with comprehensive protection, competitive rates, and responsive support that’s there when you need it most. Safeguard your hard work, reputation, and future with coverage tailored to your business—because excellence deserves protection.

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Why Write With Us?

  • A rated carrier.
  • 0% Co-insurance.
  • 12-month policy term.
  • 25% minimum earned premium (0% on flat cancels).
  • Property AND General Liability Coverage provided.
  • Binding authority up to $3M and up to 12 units.
  • Replacement Cost Valuation available on most policies.
  • Available billing options: Agency, Direct, or Mortgagee
  • Non-structural AND structural projects eligible for coverage.
  • Surplus Lines filings are handled through Starfish.

Coverages

  • Replacement Cost Value for Eligible Accounts.
  • Cause of Loss - Special Form.
  • 0% Co-insurance.
  • Up to $3mil in property insurance limits.
  • Flood optional with limits up to $250,000.
  • Earthquake available in CA, up to full policy limits with minimum 10% deductible.
  • Terrorism Optional.
  • Theft (Optional for Eligible Accounts).
  • Wind and Hail, 5% deductible up to full policy limits.
  • General Liability $1mil Occurrence/$2mil Aggregate.
  • Flexible AOP and Flood deductible options: $2,500, $5,000, and $10,000.
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Where do we write?

Current (Non-Admitted) State Availability:

AR, AZ, CA, CO, CT, DC, FL*, GA, IL, MA, MD, MI, MO, NC, NJ, NY, NV, OH, OK, OR, PA, SC, TN, TX, VA, WI

*Coastal is available in all states except barrier islands (not including Long Island) and FL where risks within 5 miles of the coast are ineligible.

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Who is the insurance for?
  • Available for Property Owners, General Contractors, House Flippers, Investors, and Developers.
  • Residential and Commercial Properties up to $3mil Property Coverage and $1mil Occurrence/$2mil Aggregate General Liability Coverage
  • All construction types: Frame (Except in FL), Joisted Masonry, Non-Combustible, Masonry Non-Combustible, Modified Fire Resistive, Fire Resistive
  • Building Types: Single Family Dwelling, Two Family (Duplex), Three Family (Tri-plex), Four Family (Four-plex), Multi-Family, Vacant Dwellings
Who is the insurance NOT for?
  • Historical structures
  • Mobile, modular or log cabin homes
  • Part-time renovation projects
  • Structures intended for demolition
  • Structures over $3mil in property value
  • Properties that have more than 12 units.
  • Properties in protection classes 9, 10, or 10W
  • Vacant lots.
  • Ground up Construction
  • Renovations that have already started and not previously insured with Starfish.
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FLIProtect Insurance

Contact Us

Are you a broker or lender focused on fix and flip construction projects? If so, we offer a simple insurance solution designed just for you. Our service makes it easier and faster to handle applications, helping your team work more efficiently. Get in touch to learn more!

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