Builders Risk Insurance
Coverage for construction projects during the building phase. Protecting your investment from ground breaking to completion.
Key Features
What builders risk insurance covers.
Coverage Details
What's included.
Structure Coverage
Protection for buildings and structures under construction against fire, weather, theft, and vandalism.
Materials & Supplies
Coverage for construction materials on-site, in transit, or at temporary storage locations.
Soft Costs
Additional expenses like loan interest, permits, and professional fees if a covered loss delays completion.
Equipment Coverage
Protection for construction equipment and tools used on the project.
Who Needs This
Is builders risk insurance right for you?
Builders Risk insurance is essential for businesses that want to protect against specific risks in their operations. Here's who typically needs this coverage:
FAQs
Common questions.
Who should purchase builders risk insurance?
Either the property owner or general contractor can purchase coverage. Contract terms typically specify who is responsible.
What is not covered?
Typical exclusions include faulty workmanship, design defects, and employee theft. These may require separate coverage.
When does coverage end?
Coverage typically ends at project completion, certificate of occupancy, or policy expiration — whichever comes first.