Coverage from foundation to final walkthrough.
Who it's for
Builders, GCs, investors, and real estate developers.
Builder's Risk protects projects under construction — covering the structure, materials on site, and supplies in transit.
Whether it's a single-family remodel or a multi-unit ground-up build, we issue policies fast to keep your closings and draws on schedule.
Flexible terms from 3 months to 12+, with renewals if your timeline shifts.
Key benefits
Builder's Risk is a specialty form covering projects under construction. Here's what's typically protected.
The building itself while it's being built.
Covers the in-progress structure — foundation, framing, roofing, drywall, finishes — against fire, wind, theft, vandalism, and most sudden accidental damage. Limits should match the total completed project value.
Lumber, fixtures, and supplies waiting to be installed.
Materials staged on the job site (or in a secure storage area) before installation are covered against theft and damage. Critical given how much value sits on the ground during framing and rough-in phases.
Coverage for materials on their way to the project.
Protects materials being delivered to the site — whether on your truck, a vendor's truck, or a common carrier. Subject to a separate sub-limit, usually adequate for residential and small commercial jobs.
Job trailers, fencing, scaffolding, formwork.
Includes temporary structures used during construction — site fencing, scaffolding, forms, falsework, and on-site office trailers. These items are easily overlooked and often a meaningful loss when a storm or theft hits.
Storm damage to in-progress work.
Open framing and unfinished roofs are highly exposed during weather events. Standard policies cover wind, hail, and most weather perils. Flood and earthquake are typically excluded and require separate placement.
Extra costs caused by a delay-producing loss.
If a covered loss delays your project, soft cost coverage pays for additional loan interest, real estate taxes, permit fees, and lost rental income during the extended construction period. A must for investor-owned builds.
Cleaning up after a covered loss.
Pays the cost to remove debris from a covered loss (often a separate sub-limit) and limited pollutant cleanup. Without it, post-loss cleanup can wipe out a project's contingency budget.
Terms that match real construction timelines.
We write Builder's Risk for 3, 6, 9, or 12 months — and renew when timelines slip. Coverage typically ends at occupancy, certificate of completion, or sale, whichever comes first.
We'll walk you through it and build a policy that actually fits — no jargon, no upselling.
