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Builders Risk

Get Instant Protection During Building Projects with Builders Risk

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Overview

Builders risk insurance protects builders, contractors, and owners of buildings and structures during construction or renovation. It covers damage caused by events like fire, theft, vandalism, wind, or hail.

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Who needs it

Typically needed by builders, contractors, and property owners who are constructing or renovating a building or structure to protect their financial investment in the event of a loss or damage.

Some examples:

  • Property owners renovating or building a new structure on the site, builders risk insurance can provide coverage for the structure and materials during the construction process.
  • Contractors working on a construction project, you may be responsible for purchasing builders risk insurance to protect your financial interests in the project.
  • Builders constructing a new building or structure, builders risk insurance can provide coverage for the structure and materials during the construction process.
  • Soft costs: Builders risk insurance can also cover additional expenses that arise due to a covered loss, such as permits, taxes, architect fees, and engineering fees.
  • Debris removal: Builders risk insurance can cover the cost of removing debris from the construction site after a covered loss or damage.
  • Temporary structures: Builders risk insurance can cover the cost of temporary structures used on the job site, such as scaffolding and temporary shelters.
What's Covered

Builders risk insurance typically covers physical loss or damage to buildings and structures while they are under construction or renovation. Some examples:

  • Building materials: Builders risk insurance can cover the cost of building materials used during construction, including lumber, steel, concrete, roofing materials, and more.
  • Equipment: Builders risk insurance can cover the cost of construction equipment used on the job site, including bulldozers, excavators, cranes, and more.
  • Labor costs: If a loss or damage occurs during construction, builders risk insurance can cover the cost of labor needed to repair or replace the damaged property.

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