Commercial insurance, named not sold.
Commercial insurance is one of the areas Build Capital Insurance is drawn to cover. This page sets out the vocabulary of that market and is explicit about how little of the detail behind it the firm has actually established.
What commercial insurance covers
A business buys cover for the things that would stop it trading: injury to someone on its site, damage to what it owns, a mistake in the work it sells, an employee hurt on the job, a vehicle, a breach of its systems, a claim against the people who run it. Each of those is a separate line with its own wording, its own limits and its own price.
Those lines are the language of the market, and a firm intending to work in it has to speak them. Naming them is not the same as offering them, and nothing on this page is an offer, an application or a quotation.
General liability, errors and omissions, workers' compensation, the business owner's policy, commercial auto, cyber, and directors' and officers' cover. Vocabulary, listed here in the same order the firm's own research listed them when it recorded that it had not covered them.
How much of this is actually established
Less than a reader would expect, and the page says so rather than filling the gap. The firm's research on this subject describes itself as a partial first pass rather than the complete reference its own title promises, and it defers the line-by-line detail to a follow-up piece of work that has not been done.
What that means in practice is that there is no limit, no typical premium, no exclusion and no coverage description on this page beyond the plain-English sentence above. Writing one would mean inventing it, and an invented figure on a page like this is worse than an empty slot.
What is deliberately absent
No commission figure appears here. The firm's research carries commission percentages drawn from a single vendor source, one of them is formally contested inside the firm's own register, and the register's instruction on it is that the figures must not be averaged together. So none of them is published and nothing is calculated from them.
Nothing is said about which lines any competitor will or will not write. The firm's own note on that subject is that a single profile is one data point rather than a map, and the question is recorded as open. No carrier is named, because none has been contacted.
What is advertised and what is actually accepted are two different things in this market, and the firm has recorded them as two different fields rather than letting one stand in for the other. Until there is more than one observation behind each, neither belongs on a public page.
Commercial insurance is an intended line of the platform and nothing more than that today. No cover has been placed, no carrier relationship exists, and this page describes only what the firm intends.
Elsewhere in this section
Sector-by-sector work would sit at Industries, and programme business at Programs. Build Capital Insurance is the parent page for all three, and Premium Finance is the lending product that sits next to this market without being part of it.