Builder's Risk Insurance, explained.
Protects the project itself — structure, materials, and work in progress.
Builder's Risk Insurance
Builder’s Risk (Course of Construction) is property insurance for a building under construction or renovation. It covers the structure, materials on site, in transit, and at temporary storage from groundbreaking to completion.
If a fire, storm, vandalism, or theft hits mid-project, GL won’t respond — GL covers third parties, not your own work-in-progress. Builder’s Risk fills that gap.
Is this for you?
Inside a Builder's Risk policy.
When this coverage pays off.
Fire on a framed structure
A fire wipes out a partially framed home. Builder’s Risk pays to replace the framing and lost materials.
Theft of HVAC equipment
Newly delivered HVAC units are stolen overnight. The policy responds even though the building isn’t finished.
Wind damage to roof system
A storm tears off plywood and underlayment before the roof is finished. Coverage rebuilds it.
Plain-language answers.
Either the owner or the GC — the contract dictates. Lenders almost always require one party to carry it.
Sometimes — there are endorsements for existing building coverage on remodel projects.
For the duration of construction, with options to extend if the project runs long.
Ready for a Builder's Risk quote?
Fill the short intake form and we’ll shop across multiple carriers, or call us and we’ll get you a quote on the phone.