Builder Risk Insurance: 10 Essential Coverage Facts 2025
Understanding Builder Risk Insurance: Protection During Construction
Builder Risk Insurance is a specialized property insurance policy that protects buildings and structures during construction, renovation, or remodeling projects.
What is Builder Risk Insurance?
| Key Aspects | Details |
|---|---|
| Coverage Period | From project start until completion or occupancy |
| Typical Cost | 1-5% of total construction budget |
| Covers | Structure, materials, equipment, temporary structures |
| Common Perils | Fire, theft, vandalism, wind, hail |
| Optional Extensions | Soft costs, debris removal, materials in transit |
| Primary Purchaser | Property owner or general contractor |
Builder Risk Insurance (also known as Course of Construction Insurance) provides crucial protection for anyone with a financial stake in a construction project. Whether you’re building a new home, renovating your existing property, or undertaking a commercial construction project, this specialized coverage safeguards your investment against unexpected losses during the vulnerable construction phase.
Unlike standard property insurance, builder risk policies are specifically designed to address the unique exposures of active construction sites, where partially completed structures face different risks than finished buildings.
The policy typically covers damage to the structure itself and construction materials from perils such as fire, wind, theft, and vandalism. Optional endorsements can expand protection to include soft costs (like architectural fees or lost revenue from delays), debris removal, and materials in transit.
As your project progresses from groundbreaking to completion, builder risk insurance provides peace of mind that your significant investment remains protected against unforeseen events that could otherwise cause devastating financial setbacks.
I’m Geoff Stanton, President of Stanton Insurance in Waltham, Massachusetts, and I’ve helped hundreds of contractors and property owners secure appropriate Builder Risk Insurance for projects ranging from home renovations to large commercial developments. With over 20 years in the insurance industry and as a Certified Insurance Counselor (CIC), I understand the critical protection this specialized coverage provides during the vulnerable construction phase.
Handy Builder Risk Insurance terms:
– construction insurance
– does builder’s risk insurance cover flood
– who pays for builders risk insurance
Builder Risk Insurance 101: What, Who & When
Let’s get back to basics before we dive into all the details. Understanding the fundamentals of Builder Risk Insurance gives you a solid foundation to make smart decisions for your construction project.
What Is Builder Risk Insurance?
Builder Risk Insurance (sometimes called “course of construction insurance”) is a special type of property insurance designed specifically for buildings while they’re being built or renovated. Unlike your standard property insurance that protects finished buildings, this coverage steps in during that vulnerable construction phase when your project is most exposed to risks.
Think of it as a safety net that catches your investment if something goes wrong during construction. Your policy typically protects:
- The building itself as it’s being constructed
- Materials waiting to be installed (both on-site and sometimes in transit)
- Temporary structures like scaffolding and construction fences
- Equipment dedicated to your project
As construction pros often say, “Hope for the best, but insure for reality.” That’s because construction sites face unique hazards – from fires and theft to windstorms and vandalism – that can derail even the most carefully planned projects.
Want to know exactly what’s covered? Check out our detailed guide: What Does Builders Risk Insurance Cover?
When Is Builder Risk Insurance Required?
You’ll likely need Builder Risk Insurance in several common situations:
Your lender will almost certainly require it if you’re financing your construction project. Banks and financial institutions want to protect their investment (and yours) until the building is complete and can be covered by standard property insurance.
Construction contracts, especially those following American Institute of Architects (AIA) standards, typically spell out the need for this coverage. Government projects and those involving FHA financing usually mandate it too.
The golden rule? Have your policy in place before the first materials arrive on site or construction begins. Coverage typically starts when you become legally responsible for the property and continues until the project is finished or the policy expires.
Who Pays for Builder Risk Insurance?
“Who should buy the policy?” is one of the most common questions we hear at Stanton Insurance Agency. The answer isn’t always straightforward and depends on your specific situation.
In most cases, either the property owner or the general contractor purchases the policy. Property owners often take the lead on larger commercial projects or custom homes since they have the biggest financial stake. Meanwhile, contractors typically handle insurance for spec homes or when they control the construction site.
What really matters is what your contract says. Always review your construction agreement carefully to see who’s responsible for obtaining coverage. Sometimes the cost is simply built into the overall project budget as a line item, regardless of who actually purchases the policy.
The good news? Builder Risk Insurance is typically quite affordable compared to the financial protection it provides. For most projects, it’s a small price to pay for significant peace of mind.
Need more guidance on who should pay? Visit our detailed explanation: Who Pays for Builders Risk Insurance?
Coverage & Exclusions: Hard Costs, Soft Costs, Extensions
Understanding what Builder Risk Insurance covers—and equally important, what it doesn’t—is essential for properly protecting your construction investment. Let’s break down the coverage components and common exclusions.
Hard Costs Coverage
When we talk about hard costs in Builder Risk Insurance, we’re referring to the tangible, physical elements of your construction project. These are the things you can touch and see taking shape on your site.
Your policy typically protects the actual structure under construction – everything from the foundation and framing to permanently installed fixtures. It also covers construction materials waiting to be installed, whether that’s lumber stacked on site, drywall in the storage area, or those beautiful custom cabinets you’ve ordered.
Don’t forget about temporary structures either! Your scaffolding, construction trailers, and temporary fencing all represent significant investments that deserve protection. Many policies even extend coverage to materials while they’re being transported to your site – a critical protection considering today’s supply chain challenges.
These physical assets are typically covered against a range of common construction perils. Fire damage, which can spread rapidly through an unfinished structure, is a standard coverage. Theft and vandalism protection is particularly valuable since construction sites are often targets for criminals. Wind and hail damage coverage (though this may have limitations in certain coastal areas) helps protect against Mother Nature’s fury. Even damage from vehicles or aircraft is typically included.
As one of our clients recently finded after a delivery truck backed into their partially-completed storefront, having comprehensive hard cost coverage can be the difference between a minor setback and a major financial disaster.
Soft Costs Coverage
While hard costs get most of the attention, the “invisible” expenses – what we call soft costs – can be just as devastating when a project faces delays due to covered damage.
Think about what happens when construction stops unexpectedly. Those architectural and engineering fees don’t disappear. Construction loan interest continues to accumulate. Property taxes still come due. Your marketing campaign for the grand opening? That timeline (and budget) just got complicated.
These soft costs aren’t automatically included in all Builder Risk Insurance policies, but they can be added through endorsements. At Stanton Insurance, we’ve seen too many clients caught off-guard by these expenses, which is why we always discuss them during the policy development process.
Just last year, one of our commercial clients faced a three-month delay after a fire damaged their nearly-completed restaurant. Their soft cost endorsement covered over $45,000 in additional loan interest and lost rental income – expenses that would have otherwise come straight out of their pocket.
Builder Risk Insurance Exclusions You Must Know
Understanding what your Builder Risk Insurance doesn’t cover is perhaps even more important than knowing what it does. These gaps in coverage could leave you exposed to significant financial risk.
Most policies won’t cover losses due to employee theft. This might seem surprising, but standard policies typically exclude dishonest acts by your own team or subcontractors. Equipment breakdowns not resulting from a covered peril are another common exclusion – that tower crane that stops working due to mechanical failure rather than storm damage probably isn’t covered.
Design errors and faulty workmanship present an interesting situation. The cost to correct poor craftsmanship itself isn’t typically covered, but resulting damage often is. For example, if improperly installed plumbing leads to water damage, repairing the plumbing might not be covered, but the water damage could be.
Normal wear and tear, war and nuclear hazards, and government actions like property seizure all typically fall outside your policy’s protection.
Perhaps most critically for many projects, standard Builder Risk Insurance policies typically exclude flood and earthquake damage unless specifically endorsed. In coastal Massachusetts, where many of our clients build, this flood exclusion can create dangerous exposure without additional coverage.
Does Builders Risk Insurance Cover Flood?
Popular Policy Extensions
The good news is that many coverage gaps can be addressed through extensions or endorsements to your Builder Risk Insurance policy. These add-ons customize your protection to match your project’s specific needs.
Ordinance & law coverage is particularly valuable for renovation projects, where you might be forced to bring previously non-conforming aspects of the structure up to current code after a covered loss. Green building recertification coverage has become increasingly popular as more projects pursue LEED and other environmental certifications, protecting against the additional costs to restore that certification after damage.
For larger projects, scaffolding and temporary structures improvements provide improved protection for these often-underinsured items. Extended period coverage gives you breathing room if your project timeline shifts, while valuable papers coverage protects those irreplaceable blueprints and specifications.
One extension we frequently recommend is testing coverage, which protects against damage that occurs during the testing of building systems like HVAC, electrical, or plumbing. This critical phase often happens near project completion when you’ve already invested substantially in the building.
A client building a custom home in Waltham recently benefited from their testing coverage when a plumbing test led to significant water damage throughout the nearly-finished interior. Without this extension, they would have faced thousands in out-of-pocket costs just weeks before move-in.
At Stanton Insurance Agency, we believe in creating Builder Risk Insurance policies that truly protect your project’s unique needs – not just checking a box to satisfy your lender or contract requirements. Let’s talk about how we can help you identify and address potential coverage gaps before they become expensive problems.
Cost, Policy Structures & Setting Limits
The cost of Builder Risk Insurance varies significantly based on multiple factors. Understanding these variables and the different policy structures available can help you secure appropriate coverage at a competitive price.
How Much Does Builder Risk Insurance Cost?
When clients call us at Stanton Insurance Agency, one of their first questions is almost always about cost. Here’s the straightforward answer: Builder Risk Insurance typically costs between 1% and 5% of your total construction budget.
For a real-world example, if you’re building a $500,000 home, you might pay between $5,000 and $25,000 to protect your investment throughout construction. The industry average runs about $1,000 to $5,000 per $100,000 of construction value.
Why such a wide range? Your premium depends on several key factors. Project value forms the foundation of your rate calculation, but insurers also consider your project type (a simple residential renovation carries different risks than a complex commercial building). Construction materials matter too—wood-frame structures typically cost more to insure than concrete or steel due to increased fire risk.
Your project location plays a significant role as well. A beachfront property in hurricane-prone areas will cost more to insure than an inland location in a temperate climate. Longer project durations mean extended risk exposure, which typically increases premiums. The good news? Installing security measures like fencing, lighting, and surveillance can often earn you discounts. And as with most insurance, choosing a higher deductible generally lowers your premium.
I recently worked with a client in Maine who completed a $2 million commercial renovation with a builder’s risk premium of just $15,000 for the entire year. That’s only 0.75% of the project value—well below the typical range—because they used fire-resistant materials and implemented comprehensive security throughout the site.
How Much Does Builders Risk Insurance Cost?
Policy Structures: Single, Reporting Form, and Blanket
Not all Builder Risk Insurance policies are created equal. Depending on your construction activities, one of three main policy structures will likely fit your needs best:
Single Project Policies are exactly what they sound like—coverage for one specific construction project from start to finish. These are perfect if you’re building a custom home or undertaking a major one-time renovation. The policy is custom specifically to that project’s unique characteristics and timeline.
Reporting Form Policies work well if you’re a builder with multiple similar projects happening simultaneously or in sequence. With these policies, you regularly report your active project values to the insurance company. This structure is ideal for tract home builders who might be constructing several houses in the same development.
Blanket Builder’s Risk Policies provide a single insurance limit that covers all your eligible projects. Commercial contractors juggling numerous jobs at once often prefer this approach for its simplicity and comprehensive protection.
Determining the Right Amount of Coverage
Setting appropriate coverage limits requires thoughtful analysis of your project’s value. As a general rule, your coverage limit should equal the anticipated completed value of the project. This includes all materials and labor costs, contractor overhead and profit, and any taxes and fees associated with the build.
Smart builders also account for potential change orders. Let’s face it—few construction projects finish exactly on budget. Many policies include what’s called a “limits margin clause” that automatically increases your coverage by 10-20% to accommodate these inevitable changes.
Pay close attention to how your policy handles extensions like debris removal, pollutant cleanup, or soft costs. Some policies include separate limits for these items, while others draw from your main policy limit. The difference could be significant if you face a major claim.
One critical distinction to understand: replacement cost versus actual cash value. Always push for replacement cost coverage, which pays to rebuild without deducting for depreciation. Actual cash value policies reduce your payout based on the age and condition of materials, potentially leaving you with a significant funding gap after a loss.
As I often tell my clients at Stanton Insurance Agency, “No two construction projects face identical risks.” That’s why working with an experienced agent who understands construction can make all the difference in designing coverage that truly protects your investment without unnecessary expense.
Builders Risk Insurance Cost Calculator
Builder Risk Insurance vs. Other Policies & Gap Prevention
When you’re investing in a construction project, understanding how Builder Risk Insurance fits into your overall insurance strategy is crucial. Let’s explore how this specialized coverage works alongside other common policies and how to ensure you’re fully protected without paying for unnecessary overlaps.
Comparing Builder Risk with Other Insurance Types
You might wonder how Builder Risk Insurance differs from the homeowners insurance you already have. While your homeowners policy protects your completed, occupied home, it typically excludes or severely limits coverage during construction. Builder Risk Insurance steps in specifically during this vulnerable building phase, providing protection that your standard homeowners policy simply wasn’t designed to offer.
Similarly, commercial property insurance protects existing business structures and their contents, but most policies explicitly exclude active construction projects. That’s where Builder Risk Insurance becomes essential for commercial development.
Many contractors and property owners mistakenly believe their general liability insurance provides sufficient protection during construction. While general liability covers third-party bodily injury and property damage claims (like if a visitor falls at your construction site), it doesn’t protect the structure itself from fire, theft, or storm damage. For complete protection, you typically need both policies working together.
When materials are in transit to your construction site, you might wonder if you need separate inland marine coverage. Some Builder Risk Insurance policies include limited protection for materials in transit, but the primary focus remains on protecting the construction site itself. For projects with significant materials transportation needs, discussing this specific coverage with your agent is worthwhile.
For smaller projects, you might hear about installation floaters as an alternative to full Builder Risk Insurance. These policies cover specific materials or equipment during installation rather than the entire project. While they might be sufficient for minor renovations, most substantial construction projects require comprehensive builder’s risk coverage.
Larger construction projects might use Owner Controlled Insurance Programs (OCIPs) or Contractor Controlled Insurance Programs (CCIPs), commonly called “wrap-up programs.” These comprehensive packages typically include Builder Risk Insurance alongside liability and workers’ compensation coverage, creating an integrated risk management solution for major developments.
Identifying and Preventing Coverage Gaps
At Stanton Insurance Agency, we’ve seen how devastating coverage gaps can be. I remember working with a client in New Hampshire whose Builder Risk Insurance policy excluded flood damage. When heavy rains caused a nearby river to overflow, damaging their partially completed structure, they faced significant uncovered losses that could have been prevented with a separate flood policy.
To avoid similar situations, start by conducting a thorough coverage analysis with an experienced insurance agent. We’ll review all your policies to identify potential gaps or overlaps, ensuring you’re neither underprotected nor overpaying for duplicate coverage.
Understanding policy triggers is equally important. Know exactly when your Builder Risk Insurance begins and ends, and when your permanent property insurance takes over. This transition point is a common area where coverage gaps occur.
Pay special attention to high-risk exclusions in your builder’s risk policy. If you’re building in a flood-prone area of Massachusetts or in a region with seismic activity, standard exclusions for flood or earthquake damage could leave you vulnerable. Addressing these gaps with supplemental coverage is essential.
When multiple parties have insurable interests in your project—including owners, general contractors, and subcontractors—coordination among insureds becomes critical. Clear communication about who’s responsible for which coverages helps prevent both gaps and disputes.
Finally, consider your project-specific needs. Renovation projects, for instance, often require coverage for the existing structure in addition to the new construction work. Standard builder’s risk policies might not automatically include this protection.
By understanding these potential pitfalls and working with an experienced insurance partner, you can create a comprehensive insurance strategy that provides seamless protection throughout your construction project.
What Does Builders Risk Cover?
Claims, Provider Selection & Customization Tips
Even with the best prevention measures, construction projects sometimes face unexpected challenges. When problems arise, knowing how to steer the claims process, having the right insurance provider, and tailoring your policy to your specific needs can make all the difference.
Filing a Builder Risk Insurance Claim
When damage occurs at your construction site, a quick and organized response can help ensure you receive the coverage you’re entitled to. I’ve guided many clients through this process, and here’s what works best:
Start by documenting everything with photos and videos before cleanup begins. This visual evidence is invaluable when discussing your claim with adjusters. Then contact your insurance company immediately – most policies require notification within 24-72 hours of finding damage.
While waiting for the adjuster, take reasonable steps to protect the site from further damage. This might mean covering exposed areas with tarps or securing the location against theft. Your policy actually requires these mitigation efforts, and the costs are typically reimbursable.
Gather all relevant paperwork, including construction contracts, budgets, change orders, material invoices, and project correspondence. These documents help establish the value of your claim. When the claims adjuster arrives, they’ll inspect the damage and review your documentation to determine coverage.
Pay close attention to how your policy values losses – replacement cost coverage provides funds to rebuild at current prices, while actual cash value subtracts depreciation. For construction projects, this difference can be substantial.
If your policy includes soft costs coverage, carefully track all delay-related expenses. These might include extended financing costs, additional permit fees, or lost rental income. Many clients forget to claim these covered expenses, leaving money on the table.
Choosing the Best Policy Provider
When it comes to Builder Risk Insurance, all carriers are not created equal. The provider you choose can significantly impact your experience if you need to file a claim.
Start by checking financial strength ratings from agencies like AM Best. I typically recommend insurers with ratings of A or better. For example, Sentry Insurance Group has maintained an A+ rating for 33 consecutive years – stability that matters when you’re facing a significant construction loss.
Look for insurers with genuine construction expertise. Some carriers specialize in builder’s risk and truly understand construction projects. They’ll have adjusters who know the difference between trusses and I-beams, which speeds up the claims process considerably.
A carrier’s claims reputation is worth investigating before you need to file a claim. Ask your agent about their experience with different insurers’ claims departments. At Stanton Insurance, we’ve developed relationships with claims teams across multiple carriers, which helps us advocate effectively for our clients when losses occur.
Consider whether you prefer working with an independent broker (like us) who can compare multiple carriers, or purchasing directly from an insurance company. Brokers often provide valuable advice about coverage options and can leverage relationships with several carriers to find the best fit for your project.
Regional presence matters too. Insurers with local claims adjusters who understand regional building practices and costs can provide faster, more accurate claim settlements. This is especially important in New England, where construction techniques and costs can vary significantly between coastal and inland areas.
Sample Builders Risk Coverage Form
Customization Strategies for Optimal Coverage
Standard builder’s risk policies provide good baseline protection, but most construction projects benefit from thoughtful customization. Here’s how to tailor your coverage for maximum protection:
First, ensure all parties with a financial stake are properly listed. Your policy should name additional insureds including the property owner, general contractor, key subcontractors, lenders, and sometimes architects and engineers. This seemingly small detail can prevent major headaches if a claim occurs.
Consider your project’s specific risks and location. Building near water? Flood coverage isn’t automatically included but can be added. Working in an area prone to earthquakes? You’ll need a specific earthquake endorsement. Expecting a tight completion timeline? Look into extended coverage for potential delays.
Be strategic with deductibles. For risks you’re comfortable partially self-insuring, higher deductibles can lower premiums. For catastrophic perils that could derail your project, lower deductibles might be worth the additional premium cost.
Review the soft cost sublimits in your policy. These caps on coverage for expenses like extended financing, lost rental income, and additional permit fees are often insufficient for larger projects. Increasing these sublimits provides valuable protection if your project faces delays after a covered loss.
One of our clients building a multi-family housing development in Maine benefited tremendously from this customized approach. By adding flood coverage and increasing soft cost sublimits, they were fully protected when unexpected spring flooding delayed their project by two months. Their policy covered not only the physical damage but also the additional interest on their construction loan and extended overhead costs – expenses that would have otherwise come straight from their bottom line.
Builder Risk Insurance is never one-size-fits-all. The best policies reflect the unique characteristics of your specific project, providing protection precisely where you need it most.
More info about construction insurance services
Frequently Asked Questions about Builder Risk Insurance
Does Builder Risk Insurance cover project delays and soft costs?
When you’re knee-deep in a construction project, delays can be more than just annoying – they can be expensive. Standard Builder Risk Insurance policies typically protect the physical structure and materials, but what about those mounting financial costs when your project falls behind schedule?
This is where soft cost endorsements come into play. Many insurers offer these valuable add-ons that cover expenses like additional loan interest, real estate taxes during delays, architect fees for redesign work, temporary facility costs, marketing expenses, and even lost sales or rental income.
I remember when one of our clients in New Hampshire faced a devastating fire at their partially completed apartment complex. Thanks to their soft cost endorsement, they recovered $85,000 in additional loan interest during the three-month reconstruction delay. Without this coverage, those costs would have come straight from their pocket.
Adding soft cost coverage typically increases your base premium by just 1-2%, but the protection it provides against significant financial setbacks makes it well worth considering for most projects. It’s like buying peace of mind that your project’s budget won’t go up in smoke if disaster strikes.
How long does Builder Risk Insurance coverage last?
Builder Risk Insurance isn’t designed to last forever – it’s specifically custom to protect your project during the vulnerable construction phase. Policies typically come in 3, 6, 9, or 12-month packages, depending on your expected timeline.
Your coverage begins when the policy is bound or when construction starts (check your specific policy language to be sure). But when does it end? Coverage terminates at the earliest of several milestones: when the policy expires, when the project is completed, when the building becomes occupied, if the project is abandoned, or if the property is sold.
What happens if your construction timeline stretches longer than expected? Most policies allow for extensions, but here’s the critical part – you must request these before your original policy expires. And yes, extensions typically require additional premium payments.
One of our clients building a custom home in Maine learned this lesson well. When winter weather pushed their construction timeline beyond their 9-month policy, they proactively requested a 3-month extension before expiration. This foresight ensured they maintained continuous protection until they finally cut the ribbon on their new home.
That different insurers define “completion” differently – some consider a project complete upon receiving a certificate of occupancy, while others use substantial completion or when the building is put to its intended use.
Can I add additional insureds on a Builder Risk Insurance policy?
Absolutely! In fact, adding multiple insureds to your Builder Risk Insurance policy isn’t just possible – it’s often necessary. Construction projects typically involve numerous stakeholders with financial interests that need protection.
Anyone with an insurable interest in your project can be named as an additional insured, including property owners, general contractors, subcontractors, lenders, and even architects and engineers. Adding these parties ensures they’re protected for their financial stake in the project and can receive claim payments directly if applicable.
The process is relatively straightforward: request the addition through your insurance agent, provide the name, address, and relationship to the project, and you’ll receive an endorsement or certificate confirming the addition. Some policies even automatically include certain parties (like the property owner and general contractor) as named insureds without requiring specific endorsements.
It’s worth noting that being an additional insured on a builder’s risk policy differs from liability policy additions. With Builder Risk Insurance, additional insureds are protected for their property interest, not for liability claims – an important distinction that sometimes causes confusion.
When everyone with a financial stake in your project is properly listed on your policy, it creates a unified safety net that protects all parties involved. This approach minimizes disputes and ensures smooth claim processing if something goes wrong.
Can You Be Additional Insured on a Builders Risk Policy?
Conclusion
Builder Risk Insurance serves as a critical safeguard for construction projects, protecting your significant investment from groundbreaking through completion. As we’ve explored throughout this guide, this specialized coverage addresses the unique risks faced during construction that standard property policies simply don’t cover.
When you’re pouring your heart (and finances) into a construction project, the last thing you want is to see your investment damaged by fire, theft, or severe weather. That’s why Builder Risk Insurance isn’t just another checkbox on your project planning list—it’s essential protection during your building’s most vulnerable phase.
Throughout my years helping contractors and property owners across Massachusetts, New Hampshire, and Maine, I’ve seen how proper coverage can make the difference between a temporary setback and a financial disaster. The right policy keeps your project moving forward even when the unexpected happens.
Customization is absolutely key to effective protection. Your renovation in Waltham faces different risks than a new commercial building in Portland, Maine. Work with an agent who understands these nuances and can tailor coverage to your specific needs rather than offering a one-size-fits-all solution.
Pay special attention to those standard exclusions we discussed—particularly flood and earthquake coverage. These aren’t automatically included in most policies, yet they can represent your biggest exposures depending on your location. A small additional premium for these endorsements can provide invaluable peace of mind.
While managing costs is always important (with premiums typically ranging from 1-5% of construction value), strategic choices about deductibles, security measures, and policy structure can help keep premiums reasonable without sacrificing crucial protection.
And don’t underestimate the importance of choosing the right insurance provider. Look for companies with strong financial ratings, extensive construction expertise, and a solid reputation for handling claims fairly and efficiently. When damage occurs, you want an insurer who understands construction and can get your project back on track quickly.
At Stanton Insurance Agency, we specialize in helping property owners, developers, and contractors throughout the Northeast secure appropriate Builder Risk Insurance protection. Our deep understanding of regional construction practices, weather patterns, and building codes allows us to identify risks that national agencies might miss.
Construction projects represent significant investments of time, money, and resources. Protecting that investment with properly structured Builder Risk Insurance isn’t just a contractual formality—it’s a fundamental component of sound risk management.
Whether you’re planning a home renovation, building a custom residence, or developing a commercial property, I invite you to reach out for a personalized consultation. Our team will work with you to design a Builder Risk Insurance program that addresses your specific project needs while providing competitive pricing from top-rated carriers.
