Coverage for construction.
Builder's risk insurance for construction and renovation projects — protecting the structure under construction, materials, and supplies.
Builder's risk helps protect the property side of a construction or renovation project. Coverage options may include the structure under construction, building materials, and supplies against perils such as fire, theft, and certain weather-related losses. We help you understand what's available based on your project.
Structure Under Construction
Coverage for the building or structure being constructed or renovated in the event of a covered loss.
Materials & Supplies
Coverage options may include building materials and supplies intended for the project, whether on-site or in transit, subject to policy terms.
Theft
Coverage for theft of materials, supplies, and equipment, subject to policy limits and exclusions.
Fire
Coverage for fire-related losses to the structure under construction and to materials and supplies.
Weather-Related Losses
Coverage options may include certain weather-related losses, subject to policy terms and exclusions.
Existing Structures
When applicable, coverage may extend to existing structures being renovated or added to, subject to the policy.
Course of Construction
Builder's risk is often written for the course of construction and may be tailored to the project's scope and timeline.
Different From Liability
Builder's risk covers the property and construction exposure — it is different from a contractor's general liability coverage.
Property coverage, not liability coverage.
Builder's risk is designed to cover the property and construction exposure of a project — the structure under construction, building materials, and supplies. It is different from a contractor's general liability coverage, which addresses third-party claims of bodily injury or property damage arising from the contractor's operations.
Because these coverages address different exposures, a construction project may need both: builder's risk for the property being built, and general liability for the contractor's work. We help review how the two fit together for your project.
Builder's Risk
Designed to cover the property and construction exposure of a project — the structure under construction, materials, and supplies — against perils such as fire, theft, and certain weather-related losses.
Contractor's General Liability
Addresses third-party claims of bodily injury or property damage arising from the contractor's operations — a different exposure than the property being built.
Why Both May Be Needed
A construction project may need both: builder's risk for the property being built, and general liability for the contractor's work.
Project-Specific Review
Coverage can depend on the project's scope, timeline, and value. We help review how the pieces fit together for your project.
Insure a construction project.
Tell us about your construction or renovation project and we'll help you review builder's risk and related coverage options.