Welcome to BuildersRisk.net

You have found one of the largest writers of Builder’s Risk Insurance on the internet.

You found this site for one of two reasons you either need Builder’s Risk Insurance sometimes also called Course of Construction Insurance or you are looking for information. Well you came to the right place. At this point you need to ask yourself some simple questions. Would you try to complete a project with just a hammer and screw driver, no of course not. Would you have open heart surgery with a Doctor who does 2 procedures a year or a Doctor that does hundreds?

The same holds true using a local agent that has limited knowledge and experience with Builder’s Risk Insurance when our agents write 100’s of builder’s risk policies a month. The great thing is that you will get a policy built to suit your needs and at a lower cost than with a local agent. The choice is a no-brainer. Go with the professionals. You will save time, save money and save the hassle.

If you want to deal with professionals call (866) 245-0034 or click here for a free quote. You can rest assured that you will get the policy you need with the least amount of hassle and at the lowest cost.

What Is A Builder’s Risk Insurance Policy?

The policy provides coverage for homes or buildings while undergoing construction. It covers:

  • The property owners’ or contractors’ interest in materials at the job site before they are installed.
  • Construction materials in transit designated for the renovation.
  • Remodel or construction and the value of the property being constructed until it is completed.

The policy may be written to cover the whole building, house or structure for new construction or the cost of Remodeling or Renovation projects.

Why I Need Builders risk insurance

What Is Generally Covered?


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It covers more than just labor, materials and equipment that are needed for new construction project. It can cover profits as well. With some policies, you can be reimbursed for the pro rata percentage of profit earned as of the date of the loss – based on the profit assumptions included in the job estimate.



What Risks Are Generally Covered?


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Builder’s risk covers perils such as fire, wind, theft and vandalism and many more. It typically does not cover perils such as earthquake, flood or wind in coastal areas unless the policy has been specifically endorsed to do so.



How Much Does This Insurance Cost?


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A builder’s risk policy will typically cost one to five percent of the total construction budget, depending on the coverage and insurance company.


What Is The Term Or Length of Policy?

Insurance policy for Builders Risk

Almost all types of commercial are typically for one year terms. Builder’s risk is different as the term of the insurance. The insurance lasts three, six or twelve months, and you can usually extend the term at least once if the building is not completed. The coverage ends when the building is completed or occupied. Coverage ends upon the earlier of  occupancy or the policy expiration date. After builder risk coverage expires, due to sale or occupancy, the new owner should take out permanent property insurance on the building such as a home owner’s policy or a commercial property policy.

What is A Builder’s Risk Insurance Policy?

The policy provides coverage for homes or buildings while undergoing construction. It covers the property owners’ or contractors’ interest in materials at the job site before they are installed, construction materials in transit designated for the renovation, remodel or construction and the value of the property being constructed until it is completed. The policy may be written to cover the whole building, house or structure for new construction or the cost of Remodeling or Renovation projects.

What is Generally Covered?

It covers more than just labor, materials and equipment that are needed for new construction project; it can cover profits as well. With some policies, you can be reimbursed for the pro rata percentage of profit earned as of the date of the loss – based on the profit assumptions included in the job estimate.

What Risks are Generally Covered?

Builder’s risk covers perils such as fire, wind, theft and vandalism and many more. It typically does not cover perils such as earthquake, flood or wind in coastal areas unless the policy has been specifically endorsed to do so.

What is the term or length of policy?

Almost all types of commercial are typically for one year terms. Builder’s risk is different as the term of the insurance the insurance lasts three, six or twelve months, and you can usually extend the term at least once if the building is not completed. The coverage ends when the building is completed or occupied. Coverage ends upon the earlier of occupancy or the policy expiration date. After builder risk coverage expires, due to sale or occupancy, the new owner should take out permanent property insurance on the building such as a home owner’s policy or a commercial property policy.

How Much Does This Insurance Cost?

A builder’s risk policy will typically cost one to five percent of the total construction budget, depending on the coverage and insurance company.

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