Protect Your Construction Investment
Construction in Las Vegas moves at a pace few cities can match. Hotel renovations, mixed-use developments, luxury residential builds, and large-scale commercial expansions reshape the valley constantly.
But the real challenge isn’t speed — it’s exposure.
Las Vegas job sites face intense desert conditions, rapid urban growth, and a steady flow of high-value materials that make the construction phase financially vulnerable.
Coverage for buildings under construction helps absorb the impact when something goes wrong before the project is complete.
Las Vegas is known for heat, but the risks go far beyond temperature:
The environment alone can set a project back days or weeks.
Projects throughout Summerlin, Henderson, Enterprise, and the Resort Corridor often store:
Because so many Las Vegas projects involve luxury finishes or specialty equipment, a single theft event can be extremely costly.
Las Vegas construction often supports:
Delays can affect opening dates, rental targets, or seasonal demand, making financial protection during construction even more important.
Parts of Downtown, East Las Vegas, and central neighborhoods contain older commercial spaces being converted or upgraded. Mid-project surprises often include:
Each of these issues can require unplanned correction.
Instead of offering a generic list, here is how the insurance functions in real scenarios:
Damage from sudden weather events may be included.
Theft of materials can be covered.
Accidental damage to the insured work may be covered.
Sudden water intrusion may fall under the policy; delay-related costs may be insurable with endorsements.
Fire and debris removal coverage may apply.
Optional additions often used in Las Vegas
Any party with exposure during the build may be included on the policy.
The policy may be secured by:
Developers building hotels, multifamily units, or commercial spaces
General contractors supervising structural or specialty work
Property owners completing major renovations
Subcontractors installing high-value components
Lenders requiring evidence of coverage
Typical range: 1%–4% of the project value, though high-end resort or luxury residential work may vary due to material pricing.
Rates depend on:
"*" indicates required fields
Sudden weather-related damage may be covered; conditions vary by policy.
Sudden water intrusion may be included, but longer-term seepage usually is not.
Yes, if they are part of the insured project and stored or installed properly.
Tools typically require separate contractor’s equipment coverage.
If walls are opened, systems replaced, or structural work occurs, coverage is strongly recommended.
Upon completion, occupancy, or issuance of the certificate of occupancy.
Protecting your building project needs special insurance suited to the area’s unique risks. At BuildersRisk.net, we provide custom Builders Risk policies to protect your investment from Wildland Fire, flash flooding, and other unexpected events.
Get in touch with us now or check out BuildersRisk.net to receive a custom quote and make sure your project stays on schedule regardless of the obstacles.
