Protect Your Construction Investment
Boston’s construction scene is unique. Projects range from tight-space infill construction in Southie, to full gut-renovations of 120-year-old homes in Jamaica Plain, to major institutional expansions near Longwood. Every job carries risk — and when something goes wrong mid-project, the financial setback can be substantial.
That’s why many contractors, developers, and owners rely on Builders Risk Insurance to protect the work in progress, materials, and equipment throughout the build.
Renovation-heavy areas like Back Bay, Beacon Hill, and Cambridgeport often involve older, delicate structures. Builders Risk can help protect high-value materials and partial builds while the job is underway.
A Builders Risk policy helps safeguard your job from unexpected losses such as:
Damage from fire, storms, or sudden structural impact
Theft of copper, tools, HVAC units, and job-site materials
Vandalism or accidental damage during busy downtown activity
Water damage from severe weather or wind-driven rain
Losses to materials being stored in Somerville, Everett, or in transit across the city
A sunny morning can turn into a nor’easter by evening. Boston contractors routinely deal with:
Any of these can damage framing, windows, roofing, or stored materials.
Construction in neighborhoods like South Boston, East Boston, and Roslindale often means:
One mishap can cause thousands in unexpected repair costs.
Projects in Boston often use premium lumber, specialty finishes, high-efficiency HVAC systems, and expensive electrical components — making the financial stakes much higher than average.
Any party with a financial stake in the project should be listed on the policy.
General Contractors who need full site protection
Developers handling large multifamily or mixed-use projects
Property Owners doing major renovations or additions
Lenders who require insurance before funds are released
Older-building renovations usually cost more due to higher structural risk.
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Yes — most policies include wind, snow, and storm damage, but flood and storm surge require endorsements.
If you’re opening walls, replacing systems, or altering structural components, yes — most Boston renovations need it.
Tools are usually excluded. Contractors often buy separate equipment coverage.
Yes. Many Boston projects require subcontractors to be added as additional insureds.
When the project is completed, occupied, or a certificate of occupancy is issued.
Protecting a Boston job site isn’t optional — the risks are too high, and delays too costly.
Get a policy designed specifically for the way Boston builds.
