Commercial Lines Coverage

Builder's Risk Insurance

Coverage for construction projects from groundbreaking to completion — protecting the structure, materials, and equipment on your job site.

Get a free quote Call (305) 791-4872

Coverage overview

Builder's risk insurance (also called course of construction insurance) covers buildings and structures under construction. It protects against losses from fire, theft, vandalism, wind, and other perils during the construction period. Most lenders and project owners require it, and it's essential for any significant construction or renovation project in South Florida.

What we can include

Structure under construction
Materials and supplies on-site
Materials in transit
Temporary structures
Soft costs coverage
Delay in completion
Equipment breakdown
Flood and wind options

Who needs it

Who needs builder's risk coverage?

General Contractors

GCs are typically responsible for obtaining builder's risk coverage on projects they manage — and most project owners require it.

Property Developers

Real estate developers building new structures need coverage from the first day of construction through certificate of occupancy.

Homeowners Renovating

Major home renovations — additions, gut rehabs, roof replacements — often require a builder's risk policy during construction.

Subcontractors

While GCs typically carry the primary policy, subcontractors may need their own coverage for specific scopes of work.

Lenders & Investors

Construction lenders typically require builder's risk as a condition of the construction loan.

Commercial Property Owners

Any commercial property owner undertaking significant construction or renovation on their building.

Questions

Frequently asked questions

Don't see yours? Call or text us and we'll answer it.

When does builder's risk coverage start and end?

Coverage typically begins when construction starts and ends when the project is complete and occupied, or when the policy term expires. We can structure the policy to match your project timeline.

Does builder's risk cover tools and equipment?

Standard builder's risk covers materials incorporated into the structure. Tools and equipment are typically covered under a separate inland marine or equipment floater policy.

Is builder's risk required by law?

It's not legally required, but most lenders and project owners require it contractually. It's also simply good risk management for any significant construction project.

What happens if there's a hurricane during construction?

South Florida's hurricane exposure is a key consideration. We work with carriers that offer wind coverage for construction projects, and we'll make sure your policy addresses this risk.

Ready to get covered?

Our licensed advisors will find you the right coverage across our carrier partners. No obligation, no pressure. We speak English and Spanish.

Get a free quote (305) 791-4872

Other coverage lines

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