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We sell the top 5 Builders Risk policies that write 95% of all Builders Risk Insurance in the US. Working with our experienced agents, you get access to all of these companies while we negotiate the best prices.

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We’re one of the fastest growing providers of liability coverage on the web, offering insurance quotes of all types for contractors in the USA.

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What is a builders risk policy?

Builders Risk Insurance, also known as Course of Construction Insurance, is a tailored policy that provides coverage for commercial and residential buildings during the entire construction process.

This includes ground-up projects, renovations, and installations, while protecting you against damage from events such as fire, wind, theft, vandalism, and certain natural disasters. Our Builder’s Risk policies cover the building materials, fixtures, and equipment used in the construction project.

Who Needs Builders Risk Insurance?

If you have a financial interest in a new construction, remodeling, or installation projects, Builders Risk Insurance is crucial to protect your investment and avoid financial setbacks.

All constructions should have a Builders Risk Policy, even if you take all the necessary precautions. They have a lot of risks and these can delay a project. This insurance keeps you protected in case of loss or damages that are expensive to fix.

Here is a list of common people and companies we insure on a daily basis:

  • Property owners

  • Builders & contractors

  • House flippers

  • Retail companies

  • School districts

  • Architects & engineers

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Check our Builders Risk Guide and find out everything you need to know about Builders Risk Insurance

It's based on 25 years of experience issuing Builders Risk policies for contractors and building owners.

You are insuring a big investment. Protect your investment 
by making sure you understand how Builders Risk policies work.

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Builders Risk Coverage:
Protect Against The Unexpected

Builder’s Risk Insurance covers residential and commercial structures under construction or renovation. It protects against risks such as vandalism, and natural disasters like windstorms and floods.

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Builders Risk Insurance Costs

Builders Risk Insurance costs can range from 1% to 4% of the total construction budget.

A basic policy would start at a minimum premium of $700 for twelve months. This policy will generally cover projects up to $200,000 in value.

If you want to get an exact price for a policy, feel free to get in contact with our experienced agents who will be able to give you some quotes within minutes. Here are some common factors that will influence the price of you Builder's Risk Policy:

location

Location

Costs are higher in coastal areas or regions prone to natural disasters. For example, insuring a project in a high-risk area could increase the premium by 10-20%.

Project Type

New constructions are generally cheaper to insure than remodeling projects. Remodeling can be up to 50% more expensive due to the added risks of existing structures.

Optional Coverages

Adding coverages like flood or earthquake protection can raise premiums by 5-10%.

Additional Fees and Taxes

Non-admitted carriers may add policy fees and surplus line taxes, typically increasing costs by 3-5%.

Construction Type

Using fire-resistant materials can lower costs, while wood-frame structures can increase premiums by about 10-15%.

We Sell Builders Risk Insurance Online
in All 50 States!

With over 26 years of experience, thousands of policies issued and more than 15 a rated insurance companies that we can shop from, we can get you rates and policies that other companies can't match!

Frequently Asked Questions

How can I get my Builders Risk Insurance?
  1. Fill out this quick quote form to get an instant estimated quote online.
  2. Get confirmed quotes from A+ carriers in under an hour sent to your email.
  3. Pick the one that best suits your needs.
  4. Select your preferred payment option.
  5. Receive your Certificate quickly!
How much does builders risk insurance cost?

Average Builders Risk Costs can vary between 1% and 5% of the total project value. There are four factors that affect the cost: project type, construction type (material), policy term, and location. We give our clients more options with better rates, given that we work with many A+ carriers.

Why do I need a Builders Risk Insurance?

All constructions should have a Builders Risk Policy, even if you take all the necessary precautions; they have a lot of risks, and these can delay a project. This insurance keeps you protected in case of loss or damages (that are expensive to fix).

How long does it last?

Builders Risk Insurance Policy is only available for 3, 6, 9, or 12 months. However, you can renew it until the project finishes. After the construction is complete, you can get other types of policies to cover the building, such as Homeowners, a Landlord, or Vacant Building policy, which we also provide.

Speak With Us Today

We encourage you to get in touch with our agents today if you want builder’s risk insurance quotes or just have a question. We insure in all 50 states and can guarantee the best service and coverage:

  • Experienced and licensed insurance agents

  • Insurance agents well versed in Builders Risk Insurance for all states

  • Same day coverage in most instances

  • Coverage from A-rated insurance companies

Protect Your Construction Project Today!

Get a quote for Builders Risk Insurance by filling out our short form or contacting our specialists directly.