Insurance That Covers Buildings Under Construction
Builder’s risk insurance protects structures while they’re being built or renovated—from fire, theft, vandalism & more. Whether you're a contractor, property owner, or investor, we’ll help cover materials, equipment, & work-in-progress—so delays and setbacks don’t become financial disasters.
Protect the Project Before It’s Complete
Builder’s Risk Insurance for New Builds & Renovations
Coverage That Lays a Solid Foundation
We Tailor to Your Timeline & Budget
Policies can be short-term or project-based—we’ll help you pick the right coverage window & keep costs in check without cutting corners.
We Make Sure Materials Are Covered Too
Lumber, wiring, fixtures—even items waiting on-site can be protected from weather, theft, or fire. We help you avoid gaps that delay your build.
We Handle Complex Coverage Terms
Named perils, soft costs, transit coverage—we’ll explain it all in plain English, so you’re never left wondering what’s actually protected.
Work in Progress Protection
Work in Progress Protection
Covers the structure during construction or major renovation. Whether it’s a new home, commercial buildout, or remodel, you’re covered against major risks before the job is complete.
- Fire, wind & lightning damage
- Theft or vandalism on site
- Collapse or structural failure
- Coverage until certificate of occupancy
- Add-ons for extended coverage
Materials, Tools & Fixtures
Materials, Tools & Fixtures
Covers the structure during construction or major renovation. Whether it’s a new home, commercial buildout, or remodel, you’re covered against major risks before the job is complete.
- Fire, wind & lightning damage
- Theft or vandalism on site
- Collapse or structural failure
- Coverage until certificate of occupancy
- Add-ons for extended coverage
Delays, Soft Costs & Extra Expenses
Delays, Soft Costs & Extra Expenses
If a covered event causes delays, this coverage can help you recover lost time & money tied to rescheduling, permits, or lost income.
- Loss of rental income
- Permit or inspection delays
- Additional interest on loans
- Architectural or engineering fees
- Project rescheduling costs
Build Smarter, Not Just Safer
Builder’s Risk Insurance FAQs
Who typically buys builder’s risk insurance?
Builders, contractors, developers & property owners. If you’re financially responsible for a construction project, this coverage may be essential.
Is builder’s risk required by law?
Not always, but it’s often required by lenders, investors or municipalities for large-scale jobs. It’s smart protection for any size project.
What types of projects does this cover?
New home construction, commercial developments, renovations, tenant improvements & major remodels—just about anything under construction.
Does it cover subcontractors’ property or tools?
Not by default. We’ll help determine whether to add endorsements or have each subcontractor carry separate coverage.
When does a builder’s risk policy end?
Typically when the project is complete or occupied. We’ll help you time your coverage so there are no gaps during the hand-off.
Coverage Built Around the Way You Build
Construction comes with enough surprises—insurance shouldn’t be one of them. We’ll help you protect your projects from start to finish, no matter the scale or scope.
From short-term remodels to long-term commercial builds, we’ll help you cover materials, structures & soft costs with policies designed to fit your timeline & trade.