Structure in progress
Full completed-value valuation protecting the framing, foundation, roofing, and structural envelope from start to completion.
Course of construction
Builders risk insurance for new builds, additions, and major renovations.
Protect structures under construction, building materials in transit, and jobsite fixtures against fire, severe weather, theft, and vandalism throughout the building lifecycle.
Quick insurance start
Why is builders risk insurance on your radar today?
Select the option that best matches your current situation, and we’ll carry it directly into your request.
Project asset protection
Why General Liability does not protect the building you are constructing.
Commercial General Liability protects against third-party bodily injury and property damage, but strictly excludes damage to your own work and the project structure itself. Builders risk fills this vital gap.
Key coverage solutions
Structured around the realities of your situation.
Materials on-site & in transit
Protection for lumber, mechanical equipment, fixtures, and copper wiring stored on the jobsite or in transit.
Soft costs coverage
Reimbursement for continued loan interest, permit fees, architectural redesign, and tax expenses caused by a covered delay.
Scaffolding & temporary works
Coverage for site fences, scaffolding, temporary electrical setups, and cribbing essential to project execution.
Quote underwriting details
What we need to build your independent comparison.
- Project budget & completed valueTotal anticipated construction cost excluding land value, establishing the policy limit.
- Jobsite security & fencingSite perimeter lighting, locking storage containers, and fire protection access.
- Construction timelineEstimated ground-breaking date, structural completion, and anticipated certificate of occupancy.
Related discovery
Independent market access
We compare available markets for coverage, price, and fit.
Market access varies by state, product, risk details, eligibility, and underwriting. A listed carrier does not constitute a guarantee of coverage or rate.
Frequently asked questions
Common questions about builders risk insurance.
Who purchases the builders risk policy: the builder or the property owner?
Either party can hold the policy, but both the property owner and the general contractor should be named as insureds to protect all financial interests.
When should a builders risk policy be bound?
Before materials arrive on the site or foundation work begins. Most carriers will not write builders risk after construction has progressed beyond 30%.
What happens when the project is finished and occupied?
Once the certificate of occupancy is issued and the building is put to its intended use, the builders risk policy transitions to a permanent property or homeowners policy.
Ready to begin?
Start your independent quote comparison today.
Tell us what changed. An agent will review your request, compare available markets, and follow up with clear recommendations.