Protect Your Construction Investment
San Jose, CA is one of the most innovative and fast-growing regions in the country. With major tech companies expanding their campuses, new mixed-use developments rising across the valley, and residential neighborhoods constantly upgrading, construction activity in San Jose moves at a rapid pace.
But with rapid growth comes increased risk. From high-value materials used in tech-driven builds to the region’s wildfire exposure and strict California construction regulations, having the right protection is essential. Builders Risk Insurance helps safeguard your project from financial loss during construction, renovation, or installation.
Builders Risk Insurance is a temporary property policy designed to protect structures and materials while they are being built. It covers unexpected events that damage your project or delay your timeline.
In a region like San Jose, where project costs are among the highest in the nation, this protection is essential for avoiding costly setbacks.
A Builders Risk policy helps safeguard your job from unexpected losses such as:
Damage to materials stored off-site or in transit
Fire, smoke, and explosion
Vandalism or accidental damage during busy downtown activity
Wind, hail, and weather-related damage
Accidental job-site impact or collapse
Water damage from storms
San Jose projects often involve advanced electrical systems, IT infrastructure, and high-end materials. Even small losses can be extremely costly to replace.
Contractors face weather challenges such as:
A Builders Risk policy can be tailored to cover these regional threats
Sites in Downtown San Jose, North San José, Berryessa, and the East Santa Clara corridor often store copper, HVAC units, and other valuable materials frequently targeted for theft.
California’s permitting and building-code requirements are rigorous. Many owners and lenders require proof of Builders Risk Insurance before work can begin.
Protects the building under construction, materials, and equipment from covered physical loss.
Pays for cleanup and disposal of damaged materials after a covered loss.
Important for contractors transporting supplies between San Jose, Santa Clara, Milpitas, Fremont, and other Bay Area regions.
Includes coverage for wind, storm events, wildfire-related damage (when endorsed), and other common California exposures.
If a covered event postpones your project, the policy can help cover:
Optional Endorsements for San Jose Projects
Anyone with a financial interest in the project should be listed on the policy.
The policy may be arranged by:
Developers constructing new multifamily properties
Custom home builders or general contractors
Property owners undergoing major upgrades
Financial institutions requiring coverage for funded projects
Subcontractors installing costly mechanical or electrical components
Typical pricing ranges from 1% to 4% of the total construction value, though Bay Area project costs are often higher due to specialized materials and technology installations.
Premiums vary based on:
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It can — but wildfire coverage must often be added as an endorsement due to California’s high-risk zones.
Not under standard Builders Risk policies. Earthquake coverage can be added separately for San Jose projects.
Yes. Specialized equipment can be included, but may require additional endorsements.
Coverage ends once the project is finished, occupied, or receives its certificate of occupancy.
Whether you’re building a new commercial complex, upgrading a tech facility, or renovating residential property, you deserve the right protection.
We provide fast, tailored Builders Risk policies designed specifically for San Jose’s construction landscape.
