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Builders Risk Insurance
Guard Your Project from Groundbreaking to Grand Opening
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Why You Need It
Even the most careful project can run into unexpected setbacks. Without specialized protection:
- Standard property insurance may exclude active construction
- Equipment, materials, and temporary structures could remain vulnerable
- Soft-costs like permit delays or extended financing can add up fast
- Property Owners & Developers - Secure your investment from the foundation up.
- General Contractors & Subcontractors - Protect your materials, labor, and reputation.
- Home Remodelers & Renovators - Even if it’s an extension or interior demo, uninspected work zones bring risks.
We’ve crafted policies to match your project’s size and complexity:
- Structural work: From framing and foundations to final finishes
- Materials & supplies: On-site, in transit, or stored elsewhere
- Temporary installations: Site offices, fencing, scaffolding, signage
- Named perils: Standard protection for fire, wind, hail, explosions, water damage, theft, vandalism and more upon request
- Coverage begins when your project kicks off—ideally before materials arrive or earth is moved.
- Coverage ends when construction is complete, the building is occupied, or the policy term expires—whichever comes first.
- Renewable in line with project timelines, so as long as work continues, you're covered.
- Property Owners
- General Contractors
- Subcontractors (when needed)
- Q: Is claims-made liability included?
No, this policy is strictly for physical loss or damage. For bodily injury or third-party claims, we’ll recommend general liability, auto, workers’ comp, or umbrella insurance. - Q: What’s not covered?
Typical exclusions are standard—like earthquakes, floods, pollution (unless endorsed), tools & equipment (unless added), or injury. But we can help you arrange endorsements or additional policies to fill the gaps. - Q: Who pays for it?
It depends on your contract. Often the contractor includes it in the bid—but legally, it’s the owner’s asset, and often the owner covers the policy. We ensure everyone understands their obligations upfront. - Q: How much does it cost?
Premiums usually range from 1–4% of total construction costs, depending on project type, materials, duration, and site hazards. We’ll tailor terms to align with your risk profile and budget.