Insurance from Blueprint
to Key Handover and Beyond

Protect your commercial transportation, buildings, workers, and homes – all the way to Airbnb rentals

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Designed for builders, contractors and property owners

Tech-driven claims, human-powered support.

Coverage that evolves with your project – start to finish

500+ projects insured
in our first year

10,000+ clients covered across
construction and rentals

98% of claims processed
within 48 hours

Comprehensive Insurance for Every Milestone

Commercial Auto Insurance Commercial Auto Insurance

Protect your fleet – trucks, vans, and heavy equipment – on every job.

Commercial Buildings Insurance Commercial Buildings Insurance

Safeguard warehouses, offices, and construction sites from risks.

General Contractors Insurance General Contractors Insurance

Liability and property coverage for contractors of all sizes.

Workers’ Compensation Workers’ Compensation

Keep your team safe with medical and wage protection.

Builders’ Risk Insurance Builders’ Risk Insurance

Coverage for projects in progress – from foundation to finish.

Home Insurance Home Insurance

Protect completed homes for new owners.

Airbnb Rental Insurance Airbnb Rental Insurance

Insurance for short-term rentals – peace of mind for hosts.

From Ground-Up to Airbnb – We’ve Got You Covered

Tailored insurance for every phase of construction and ownership

Seamless transition from builders’ risk to home and rental coverage

Fast, digital tools for claims and policy handling

What Drives Kairem

Expertise

Focused on construction and property insurance.

Innovation

Seamless online tools, powered by cutting-edge tech

Reliability

Coverage you can trust at every stage

Got Questions?
We’ve Got Answers

Can I get insurance if I don’t have an MC or DOT number yet?

Yes, absolutely. We often work with clients who are just starting their trucking companies. We can help you get insured in advance, and the policy will activate once your MC and DOT numbers go live.

Do I need homeowners insurance if I already paid off my mortgage?

While it is not legally required to maintain homeowners insurance after your mortgage is paid, it is strongly recommended. Insurance protects your property against fire, theft, natural disasters, and liability claims, ensuring financial security.

What documents do I need to provide when filing a claim?

Typically, you will need:
• Proof of loss (photos, videos)
• Police report (if applicable)
• Medical or repair bills
• Insurance policy number

Will filing a claim increase my premium?

It might. Filing frequent or high-value claims can lead to higher premiums. However, one small claim may not have a significant effect.

What happens if my claim is denied?

If your claim is denied, you will receive a written explanation. You may:
• Request a review
• Submit additional evidence
• Appeal the decision

Do you offer discounts?

Yes! We offer various discounts such as:
• Multi-policy discount
• Safe driver discount
• Loyalty discount
• No-claims bonus

How long does it take to get a quote?

It depends on the specific case, but usually we can provide a quote within a few hours after receiving all the necessary information. If you're in a rush, let us know — we understand that time is critical for drivers and business owners.

Can I get insurance coverage if I am a new venture or first-time owner-operator?

Yes. While premiums may be higher due to lack of operational history, we work with carriers who accept new ventures. Providing clean driving records and solid business planning improves your chances of approval and competitive rates.

How quickly can I get proof of insurance or a certificate of insurance (COI)?

Once your policy is bound, we typically issue certificates of insurance within one business day. Same-day processing is available upon request for urgent situations, such as broker verification or load booking.

How do I file a claim?

You can file a claim:
• Online through your customer portal
• By calling our 24/7 claims hotline
• Through our mobile app
We’ll guide you through every step of the process.

Can I cancel my policy at any time?

Yes, you can cancel your policy at any time. Some policies may have cancellation fees or require written notice. Contact our support team for specific instructions.

What affects the cost of my premium?

Premiums are influenced by:
• Property value and location (for business property and home insurance)
• Driving record and vehicle type (for auto insurance)
• Coverage limits and deductibles

What should I do if I miss a payment?

If you miss a payment:
• Your policy may enter a grace period (typically 30 days)
• Contact us immediately to avoid cancellation or loss of coverage
• You may be able to reinstate your policy

What is a deductible?

A deductible is the amount you agree to pay out of pocket before your insurance coverage begins to pay. For example, if you have a $500 deductible and a $2,000 claim, your insurance will pay $1,500.

What is a coverage limit?

A coverage limit is the maximum amount your insurance will pay for a covered loss. Make sure your limits reflect the full value of what you’re protecting.

Can I insure someone else’s property?

Generally, you can only insure property or people in which you have an insurable interest – meaning you would suffer a loss if something happened to them.

How do I renew my policy?

Most policies renew automatically unless canceled. You’ll receive a notice before your renewal date with any updates to rates or terms.

Do I need insurance if I already have savings?

Yes. Insurance protects your assets and shields you from catastrophic losses that savings alone may not cover – like a lawsuit, house fire, or major accident.

Ready to Protect Your Project?

Submit your request, and we’ll call you back within 15 minutes

Insurance from Blueprint to Key Handover and Beyond