Builder's Risk Insurance

Coverage for materials, structures, and jobsite exposures from start to completion of your project.

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Serving Clients Across Florida

Coverage Overview

What Builder's Risk Covers

Builder's risk insurance is designed for properties under construction or major renovation. It covers materials, supplies, and the structure while work is in progress, and we'll align the policy timeline to match your project from start to finish.

Work in Progress

Protects the structure as it's being built or renovated against covered losses.

Materials & Supplies

Coverage for materials on-site, in transit, or stored off-site depending on the policy.

Jobsite Losses

Covers events like fire, theft, or vandalism that occur during construction.

Project Timeline

We'll align effective dates with your start date and expected completion.

Good Fit For

  • New construction (residential or commercial)
  • Major renovations, additions, or remodels
  • Builders, contractors, and property owners
  • Projects that need proof of insurance for lenders or permits

Quick Checklist

To get a fast quote, have this ready:

  • Jobsite address
  • Project type and scope
  • Estimated completed value
  • Start date and expected completion date
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Questions?

We'll help you match coverage to your project and requirements.

(561) 421-3600

Helpful Note

Builder's risk covers the property during construction. Liability coverage is typically handled separately.

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Common Builder's Risk Questions

Answers to what we hear most often.

Builder's risk coverage typically begins on the project start date and ends when construction is complete, the property is occupied, or the policy term expires, whichever comes first. We'll help you align the effective dates with your project timeline so there are no gaps in coverage.

Standard exclusions often include employee theft, mechanical breakdown, faulty workmanship, earthquake, flood, and normal wear and tear. General liability coverage for jobsite injuries is also separate. We'll clearly walk you through what's covered and what requires separate policies.

Either party can purchase builder's risk, and the answer usually depends on the contract terms. In some cases the owner buys it; in others the general contractor does. It's important to confirm this before work begins to avoid coverage gaps or duplicate policies. We'll help you sort out who should carry the coverage based on your contract.

Completed value refers to the total projected cost of the project when finished, including labor and materials. This is the amount used to set your coverage limit. Underestimating it can leave you underinsured, so we'll help you calculate an accurate figure so you're fully protected throughout the project.

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Ready to compare coverage options?

We'll find the right policy for your needs and budget. No pressure, no jargon.

Request a Quote (561) 421-3600