Builder’s Risk

Building or renovating? Builder’s risk coverage helps protect your project, materials, and work in progress from unexpected losses.

Request a Quote Call (561) 421-3600
Back to Services

What Builder’s Risk Can Help With

Builder’s risk insurance is designed for properties under construction or major renovation. It can help cover materials, supplies, and parts of the structure while work is in progress. We’ll help you set the right limits and timeline so your project stays protected from start to finish.

Work in Progress

Helps protect the structure as it’s being built or renovated.

Materials & Supplies

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

Jobsite Losses

Helps with certain covered events like fire, theft, or vandalism 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
Request a Quote

Questions?

We’ll help you match coverage to the project and requirements.

Call (561) 421-3600

Helpful Note

Builder’s risk focuses on the property during construction. Liability coverage is often handled separately.

Explore Business Insurance
Independent Agent

We work for you, not the carrier — no quotas, no pressure.

30+ Trusted Carriers

We shop multiple companies to find you the best rate.

Florida-Based Team

Local experts who understand Florida's insurance market.

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 — if someone is injured on the jobsite — 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 — we'll help you calculate an accurate figure so you're fully protected throughout the project.

Ready for a builder’s risk quote?

Tell us about your project and timeline, and we’ll help you get covered.

Request a Quote