Builder’s Risk Insurance

Construction projects are vulnerable in ways finished buildings aren’t — exposed framing, stored materials, and unfinished structures all carry unique risks before a project is ever completed. Builder’s risk insurance (also called course of construction insurance) protects residential and commercial buildings while they’re under construction or major renovation, covering damage from fire, theft, vandalism, wind, and other covered events during the build.

Coverage typically extends to the structure itself, materials and equipment on-site or in transit, and sometimes scaffolding or temporary structures, with the policy running for the duration of the project. Because a single setback — a fire before the roof goes on, materials stolen from a job site, storm damage mid-build — can derail a project’s timeline and budget, builder’s risk insurance is essential protection for general contractors, developers, and property owners alike. We’ll help you build a policy that matches your project’s scope, timeline, and risk exposure.

From the moment you break ground to the day you hand over the keys, a construction project is exposed to risks that a standard property policy isn’t built to handle. A fire before the framing’s finished. Materials stolen overnight. Storm damage to an unfinished roof. Builder’s risk insurance is there for exactly these scenarios.

Coverage runs for the length of your project, protecting the structure, materials, and equipment on-site against a range of covered events. Whether you’re a general contractor managing multiple builds or a property owner overseeing a single project, the right builder’s risk policy means a setback during construction doesn’t turn into a financial loss.