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    <lastmod>2019-12-23</lastmod>
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      <image:title>Projects</image:title>
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    <loc>https://www.carmackinsurance.com/projects/2019/12/23/boxfox</loc>
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    <loc>https://www.carmackinsurance.com/projects/2017/1/11/huy-fong</loc>
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    <lastmod>2017-03-22</lastmod>
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    <loc>https://www.carmackinsurance.com/projects/2016/3/20/oltman</loc>
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    <lastmod>2017-02-16</lastmod>
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    <loc>https://www.carmackinsurance.com/projects/2016/3/20/jo7y1t72ham3sht1k2l9gd7mr0qxth</loc>
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    <loc>https://www.carmackinsurance.com/projects/2016/3/20/turner-development</loc>
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    <lastmod>2017-02-16</lastmod>
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    <loc>https://www.carmackinsurance.com/projects/category/Retail</loc>
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    <loc>https://www.carmackinsurance.com/projects/category/Worker%27s+Compensation</loc>
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    <loc>https://www.carmackinsurance.com/projects/category/Food+Processing</loc>
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    <loc>https://www.carmackinsurance.com/projects/category/Technology</loc>
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    <loc>https://www.carmackinsurance.com/projects/category/Construction%2FDevelopment</loc>
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  <url>
    <loc>https://www.carmackinsurance.com/projects/category/Marine+Boat+%26+Yacht</loc>
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  <url>
    <loc>https://www.carmackinsurance.com/carriers</loc>
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    <lastmod>2023-05-04</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/56ee09951bbee05366bd8308/1458709602099-35LRXIQ3T4AUSP75541K/AIG.png</image:loc>
      <image:title>Carriers - AIG Insurance</image:title>
      <image:caption>They're one of the world's largest insurance organizations, with more than 88 million customers across the globe. They're leaders in property casualty insurance, life and retirement services, and mortgage guaranty.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56ee09951bbee05366bd8308/1458709602099-35LRXIQ3T4AUSP75541K/AIG.png</image:loc>
      <image:title>Carriers - AIG Insurance</image:title>
      <image:caption>They're one of the world's largest insurance organizations, with more than 88 million customers across the globe. They're leaders in property casualty insurance, life and retirement services, and mortgage guaranty.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56ee09951bbee05366bd8308/1458709602143-K51W8VMDF66EVVEXQNO2/Chubb.png</image:loc>
      <image:title>Carriers - Chubb Insurance</image:title>
      <image:caption>Chubb is the world’s largest publicly traded property and casualty insurer. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56ee09951bbee05366bd8308/1458709602461-3KNW9F7NHVIQ3XFYZY82/Firemans+Fund.png</image:loc>
      <image:title>Carriers - Fireman's Fund Insurance</image:title>
      <image:caption>Since 1863, Fireman’s Fund has partnered with independent agents and brokers to protect the future for individuals, families and businesses. Today, they are industry leaders in high net worth, entertainment and commercial insurance.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56ee09951bbee05366bd8308/1458709602509-YCCSGTOX4KS674VOHFL2/Liberty+Mutual.png</image:loc>
      <image:title>Carriers - Liberty Mutual Insurance</image:title>
      <image:caption>In business since 1912, today Liberty Mutual is a diversified global insurer with operations in 30 countries around the world. The company is the third largest property and casualty insurer in the U.S. based on 2013 direct premium written as reported by the National Association of Insurance Commissioners. Liberty Mutual is also a Top 5 personal lines carrier in the United States.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56ee09951bbee05366bd8308/1458709602848-0LJD70Z8YBV5SM08HMTH/Mecury.png</image:loc>
      <image:title>Carriers - Mercury Insurance</image:title>
      <image:caption>Since 1962, they've provided comprehensive coverage options ranging from personal auto insurance to homeowners insurance to mechanical breakdown protection. Dedicated managers and enthusiastic employees work hand-in-hand with their network of independent agents to make Mercury one of the fastest-growing auto insurers in the nation and the leading insurer in California.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56ee09951bbee05366bd8308/1458709603008-4JM8KEPEPPTABOX2KW4L/Safeco.png</image:loc>
      <image:title>Carriers - Safeco Insurance</image:title>
      <image:caption>Safeco has been protecting individuals and families with personal insurance coverage since 1923. They partner with independent agents who live and work in your community to give coverage for everything from your auto and home to your boat, motorcycle and RV.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56ee09951bbee05366bd8308/1458709603140-9JQ5K6HCUZHKM1N1NOWX/Travelrs.png</image:loc>
      <image:title>Carriers - Travelers Insurance</image:title>
      <image:caption>Today, more than 150 years after their founding, Travelers is one of the nation's largest property casualty companies. A component of the Dow Jones Industrial Average, Travelers has more than 30,000 employees, 13,000 independent agents and multiple market segments across the personal, business, financial and international insurance groups.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56ee09951bbee05366bd8308/1487217512141-7MY4BM9LFO4BUZXY8HTJ/hartford.png</image:loc>
      <image:title>Carriers - The Hartford</image:title>
      <image:caption>Offers a complete line of personal insurance and financial service products, including auto, homeowner's, life, annuities, and mutual funds.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56ee09951bbee05366bd8308/1683237794753-6G179LJ9B9AAKKB2VU0V/Zurich+Insurance+Logo.png</image:loc>
      <image:title>Carriers - Zurich Insurance Group</image:title>
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  <url>
    <loc>https://www.carmackinsurance.com/home</loc>
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    <priority>1.0</priority>
    <lastmod>2026-02-15</lastmod>
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      <image:title>Home</image:title>
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  <url>
    <loc>https://www.carmackinsurance.com/construction-development</loc>
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    <priority>0.75</priority>
    <lastmod>2023-05-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56ee09951bbee05366bd8308/1491533272937-U2FFXDH8IUO8BWE0ERG9/Construction+and+Development+photo</image:loc>
      <image:title>Construction &amp; Development - Construction &amp; Development</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56ee09951bbee05366bd8308/1596611164151-C7QQADIVLVAA25FCMAOP/CMI-ClientImage-OltmansConstruction.jpg</image:loc>
      <image:title>Construction &amp; Development - Oltmans Construction</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56ee09951bbee05366bd8308/1596611165650-RHGAGU2TB5NFYS62IKQP/CMI-ClientImage-TurnerDevelopment.jpg</image:loc>
      <image:title>Construction &amp; Development - Turner Development</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56ee09951bbee05366bd8308/1596611164272-R1411RX0058Z1SOCKTAD/CMI-ClientImage-MarkIVCapital.jpg</image:loc>
      <image:title>Construction &amp; Development - Mark IV Capital</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56ee09951bbee05366bd8308/1596611348192-T6UTP9C6LP6DHO50P2KP/CMI-ProjectImage-CapricornDFDC.jpg</image:loc>
      <image:title>Construction &amp; Development - Capricorn DFDC</image:title>
      <image:caption>Owner: IDI for Home Depot Project: 838,000 square foot distribution center in Perris, California Architect: MacGregor Associates Architects Carmack Insurance provided the Builder’s Risk coverage for the owner</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56ee09951bbee05366bd8308/1596611348249-ZUG5YJXSPS9916POQJW0/CMI-ProjectImage-DHLSortingFacility.jpg</image:loc>
      <image:title>Construction &amp; Development - DHL Sorting Facility</image:title>
      <image:caption>Owner: Marhub, LLC Project: Airport served 308,000 square foot distribution facility for DHL. Architect: RGA Office of Industrial Design General Contractor: Oltmans Construction Carmack Insurance provided the Builder’s Risk Property coverage for the Owner, bonding, risk management and liability coverage for the General Contractor.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56ee09951bbee05366bd8308/1596611349580-ADFCPSE1PRZYM69R9EXZ/CMI-ProjectImage-PecanPark.jpg</image:loc>
      <image:title>Construction &amp; Development - Pecan Park</image:title>
      <image:caption>Austin, Texas 141,164 square foot office building Carmack Insurance provided Builder’s Risk, Liability coverage and Risk Management for owner.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56ee09951bbee05366bd8308/1596611348658-HMXHCBFH55D92EAD0OZ6/CMI-ProjectImage-LNRWarnerCenter.jpg</image:loc>
      <image:title>Construction &amp; Development - LNR Warner Center</image:title>
      <image:caption>Woodland Hills, California Four building, 808,274 square foot office campus Architect: Poliquin Kellogg Carmack Insurance provided Risk Management and Builder’s Risk coverage for owner.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56ee09951bbee05366bd8308/1596611349086-WR3JO4RG5NH04WE6TZS7/CMI-ProjectImage-OneCivicPlaza.jpg</image:loc>
      <image:title>Construction &amp; Development - One Civic Plaza</image:title>
      <image:caption>131,250 square foot, Six-story class “A” office building in Carson, California General Contractor: Oltmans Construction Owner: The Muller Company Architect: GAA Architects, Inc. Carmack Insurance provided the Builder’s Risk coverage and completion bonds for Owner, and liability coverage for both Owner and General Contractor</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56ee09951bbee05366bd8308/1596611349580-HX2IRO43S3TH1C3IHSQ7/CMI-ProjectImage-RedlandsGatewayLogisticsCenter.jpg</image:loc>
      <image:title>Construction &amp; Development - Redlands Gateway Logistics Center</image:title>
      <image:caption>Owner: Crow Holdings Capital Real Estate 927,798 Sq. Ft. Distribution/Warehouse Buildings on 42 acres Location: Redlands, California Architect: HPA, Inc. General Contractor: Oltmans Construction Carmack Insurance provided Builder’s Risk for the project</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56ee09951bbee05366bd8308/1596611350125-IRB7WU2W83NLSJWL09B8/CMI-ProjectImage-YachtClubhouse.jpg</image:loc>
      <image:title>Construction &amp; Development - Yacht Clubhouse</image:title>
      <image:caption>Project: New 23,000 square foot waterfront clubhouse in Newport Beach, California Architect: MVE + Partners General Contractor: Hayhoe Construction Carmack Insurance provided Course of Construction Property Insurance for the project.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56ee09951bbee05366bd8308/1596611348747-S97CS7TY7YJ2SWMG1TXE/CMI-ProjectImage-MarkIVOffice.jpg</image:loc>
      <image:title>Construction &amp; Development - Mark IV Office</image:title>
      <image:caption>Owner: Mark IV Capital Project: 21,311 square foot Office Headquarters Architect: Ware Malcomb General Contractor: Driver SPG Carmack Insurance provided Course of Construction, Liability &amp; Risk Management for the owner.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56ee09951bbee05366bd8308/1596650338606-6GMHTJDZDLUPOEHZRI8Y/harbor-day-school-2.jpg</image:loc>
      <image:title>Construction &amp; Development - Harbor Day School Campus</image:title>
      <image:caption>Builder’s Risk Insurance: Carmack Insurance Architect: LPA General Contractor: DPR Construction Carmack Insurance is proud to have been selected to provide Builder’s Risk Course of Construction Insurance for the new Harbor Day School Campus.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56ee09951bbee05366bd8308/1683154451562-YHWUUH8VYLJN7K0TGE6S/San+Manuel+Band+of+Indians.jpg</image:loc>
      <image:title>Construction &amp; Development - Shopify Distribution Facility</image:title>
      <image:caption>Project: 1,153,644 square foot warehouse distribution facility Owner: San Manuel Band of Mission Indians General Contractor: Oltmans Construction Architect: HPA Carmack Insurance provided the Builder’s Risk insurance coverage for the owner and tenant.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56ee09951bbee05366bd8308/1602631465630-FPDKXMKJVWXYONZDLGVQ/BP-LB-Carmack.jpg</image:loc>
      <image:title>Construction &amp; Development</image:title>
      <image:caption>Bridge Point Long Beach Project: New 415,160 square foot, State-of-the-Art distribution facility in Long Beach, California Owner: Bridge Point Long Beach, LLC Carmack Insurance provided the Builder’s Risk Course of Construction coverage for the project</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.carmackinsurance.com/contact</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2017-03-22</lastmod>
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      <image:title>Get in Touch</image:title>
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  <url>
    <loc>https://www.carmackinsurance.com/personal-coverage</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2019-04-19</lastmod>
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      <image:title>Personal Insurance</image:title>
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  <url>
    <loc>https://www.carmackinsurance.com/history</loc>
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    <lastmod>2023-06-07</lastmod>
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      <image:title>History</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56ee09951bbee05366bd8308/1487225124982-W6SCF03XMGG9DYUA4007/Captain+and+the+kids</image:loc>
      <image:title>History</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56ee09951bbee05366bd8308/1487226933530-1PC2V44HTHU5WCN0CDJC/image-asset.jpeg</image:loc>
      <image:title>History</image:title>
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  <url>
    <loc>https://www.carmackinsurance.com/locations</loc>
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    <lastmod>2017-03-13</lastmod>
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      <image:title>Locations - Our Locations</image:title>
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  <url>
    <loc>https://www.carmackinsurance.com/our-carriers</loc>
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    <lastmod>2023-05-04</lastmod>
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  <url>
    <loc>https://www.carmackinsurance.com/recent-projects</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2017-03-22</lastmod>
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  <url>
    <loc>https://www.carmackinsurance.com/marine-boat-yacht</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2017-02-16</lastmod>
    <image:image>
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      <image:title>Boat &amp; Yacht - Marine Boat &amp; Yacht Insurance</image:title>
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  <url>
    <loc>https://www.carmackinsurance.com/report-a-claim</loc>
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    <lastmod>2017-03-22</lastmod>
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      <image:title>Report a Claim</image:title>
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      <image:title>Report a Claim</image:title>
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      <image:title>Report a Claim</image:title>
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      <image:title>Report a Claim</image:title>
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      <image:title>Report a Claim</image:title>
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      <image:title>Report a Claim</image:title>
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      <image:title>Report a Claim</image:title>
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      <image:title>Report a Claim</image:title>
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      <image:title>Report a Claim</image:title>
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    <image:image>
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      <image:title>Report a Claim</image:title>
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      <image:title>Report a Claim</image:title>
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  <url>
    <loc>https://www.carmackinsurance.com/food-processing</loc>
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