Builders and contractors have unique needs when it comes to their workers' compensation coverage. The HomeBuilders Self-Insurers Fund understands this. The fund began in response to the turmoil of the commercial insurance marketplace back in the late 70's. Insurance carriers were exiting Louisiana, and builders and contractors were faced with rising insurance costs, poor service and mounting problems. The answer was the HomeBuilders Self-Insurers Fund (HomeBuilders SIF), a workers’ compensation program built specifically for the construction industry.