Protecting Construction Projects Across the Magic City
Birmingham continues to evolve. From revitalization in the Lakeview District to commercial growth along Highway 280, and steady residential development in neighborhoods like Hoover, Homewood, and Avondale, the city’s construction landscape is diverse and active.
With projects ranging from modern infill construction to large-scale industrial builds, having reliable financial protection during the construction phase is essential. Builders Risk Insurance provides that protection.
Contractors in Birmingham deal with:
Any of these events can damage framing, roofing, electrical systems, or stored materials.
Birmingham has both historic properties and newly planned developments. Renovating older structures – common in Southside, Highland Park, and Five Points South – often means:
Builders Risk Insurance helps absorb the financial impact when surprises occur.
Sites across Birmingham frequently store materials such as:
Busy corridors near Downtown, UAB, and Midtown can see greater exposure to theft or vandalism, especially overnight.
Protection for the building under construction, whether it’s a renovation, addition, or new build.
Reimburses losses when materials are stolen or vandalized during the construction phase.
Helps clear the site after a covered incident so work can restart promptly.
Coverage for items located on-site, being stored off-site, or transported between job locations in Birmingham or the surrounding areas.
Wind, rain, lightning, and storm damage commonly occur in the region.
Covers sudden events that can halt progress and lead to costly repairs.
Policies can be structured to help cover soft costs, such as:
Available Add-Ons for Birmingham Projects
Any party with financial involvement in the build can be included under the policy.
General contractors leading the project
Developers overseeing commercial or residential builds
Property owners renovating or expanding existing structures
Lenders requiring coverage as part of the financing
Subcontractors installing high-value systems or materials
For most projects, premiums fall between 1 percent and 4 percent of the total construction cost.
Pricing depends on:
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Wind-related damage is often included, but tornado-specific or windstorm coverage may vary by policy and should be reviewed carefully.
Yes, especially if the project involves structural changes, electrical upgrades, or high-value materials.
Tools and small equipment are typically not covered unless added through a separate policy.
Yes, they can be listed as additional insureds depending on contract requirements.
Coverage ends when the project is completed, occupied, or a certificate of occupancy is issued.
Whether you’re constructing a commercial facility in the Oxmoor Valley, renovating a historic home, or building new residential developments across Jefferson or Shelby County, Builders Risk Insurance ensures your project is financially protected from unexpected setbacks.
