Picture Your Build Finishing — No Matter What Hits the Job Site

Protect Every Dollar You’ve Poured Into the Build

Imagine the project is nearly done and a storm tears through overnight. With builders risk insurance, you make a call instead of eating the loss. This coverage protects buildings that are under construction, renovation, or addition — whether you’re putting up a new commercial facility, reworking an existing structure, or adding a wing. From the foundation pour to the final walkthrough, it covers the exposures that standard property policies leave wide open.

Here’s the difference an independent broker makes: with 142+ carriers competing for your project, we’re loyal to you, not one insurer. We match contractors, developers, and property owners to the policy that actually fits the job — annual policies for continuous operations or single-project policies for a one-time build. You get straight answers and the right coverage, without the runaround.

See Exactly What You’re Covered For

Coverage Type	What It Protects	Typical Limits
Building Under Construction	The structure being built or renovated	Project value or construction contract amount
Materials & Supplies	Raw materials, fixtures, and supplies on-site or in transit	Percentage of project value
Soft Cost Coverage	Additional expenses from construction delays	12-24 months of projected expenses
Equipment & Machinery	Construction equipment, scaffolding, cranes	Scheduled or blanket value
Testing & Commissioning	Coverage during final testing phase	Included or separately scheduled

Building Under Construction

This is the heart of the policy: it protects the structure you’re building from the moment construction begins through completion. That includes the foundation, framing, roofing, exterior finishes, permanent fixtures (HVAC, plumbing, electrical), and interior build-out. Covered perils typically include fire, lightning, windstorm, hail, vandalism, theft, and explosion — the things that can undo months of work in a single afternoon.

We’ll talk you through choosing between builder’s risk completed value forms (covering the full project value from day one) and reporting forms (where coverage grows as construction progresses). Our carriers offer both, and we help you pick the one that fits your project’s cash flow and risk — so you’re never paying for coverage you don’t need or short on the coverage you do.

Materials & Supplies

Think about everything sitting on your site or rolling toward it right now — lumber, steel, concrete, windows, doors, cabinets, plumbing fixtures, electrical components. This coverage protects those materials, fixtures, and supplies whether they’re stored on-site, in a warehouse, or in transit from the supplier. Many contractors are surprised to learn that materials stored off-site or in transit carry real risk that standard builders risk policies leave uncovered — a gap we make sure you see before it costs you.

For high-value items like custom millwork, specialty windows, imported stone, and prefabricated components, we recommend scheduled coverage. These pieces often have long lead times, and dedicated sub-limits keep them fully protected all the way through the supply chain — so a damaged shipment doesn’t put your timeline back weeks.

Soft Cost Coverage

Here’s the cost most owners don’t see coming: a covered loss doesn’t just damage the building, it pushes your completion date back — and the bills keep coming. During a delay you still owe additional loan interest, extended permits, legal and accounting fees, real estate taxes, and lost rental income if the project is income-producing. Soft costs can quietly climb into the hundreds of thousands during a prolonged delay. This coverage absorbs that hit so a setback doesn’t sink the numbers.

We’ll help you calculate the right soft cost limits based on your timeline, financing structure, and projected revenue. Typical coverage periods run 12 to 24 months, with options to extend if delays persist — so you can rest easy knowing the math still works even on a bad day.

Equipment & Machinery

Your crew can’t build without the gear — cranes, scaffolding, hoists, generators, compressors, temporary fencing, and modular site offices. This coverage protects the equipment you use to build, while materials coverage handles the items being installed. So if a windstorm damages a crane or scaffolding collapses under heavy snow, you repair or replace it and keep working instead of waiting on a payout you don’t have.

You can choose scheduled coverage (each piece listed with a specific value) or blanket coverage (a single limit across all equipment). For large projects with specialized equipment, scheduled policies give you more precise protection — and we’ll help you decide which fits.

Testing & Commissioning

You’re almost across the finish line — and that’s exactly when the risk spikes. As systems come online for the first time before formal acceptance, boilers under test, electrical systems being commissioned, and HVAC being balanced are all at elevated risk during startup. It’s a critical exposure that’s easy to overlook, and standard builders risk policies may exclude losses that happen during testing unless this coverage is written in. We make sure it isn’t the gap that turns a finished project into a costly redo.

This matters most on projects with complex mechanical, electrical, or plumbing systems. We recommend building testing and commissioning coverage into any substantial commercial project as a matter of course — so the last step protects you instead of exposing you.

Frequently Asked Questions