Builders Risk Insurance

Builders risk, sometimes called course-of-construction insurance, protects a building and its materials while it's under construction or renovation. It typically covers the structure, materials, and equipment on-site against risks like fire, theft, vandalism, and weather, during the build itself, before a standard property policy takes over.

A project under construction is exposed in ways a finished building is not, and a fire or a theft of materials can derail your budget and timeline. Lenders and property owners often require builders risk before work begins. Whether you're the contractor or the owner, it protects the investment while it's most vulnerable.

Does the coverage amount reflect the full completed value of the project? Who needs to be named on the policy, the owner, the contractor, or both? Is the coverage term long enough for your actual timeline, including likely delays? Are materials in transit and stored off-site covered? We'll match the policy to your project.