Builders Risk Insurance

Protect your project as it’s being built.

Builders risk insurance provided by Insurance Incorporated.

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Did you know you can protect your properties even before they are finished being built? Builders risk insurance protects from risks like fire, theft, and more.

 

We offer both Commercial and Residential Builder Risk insurance for New and Remodel projects. We can handle difficult to place risks as well,  such as Fire Zones,  Non Renewal or a Lapsed policy.  Call now for a free quote on your project.

Under construction? Then you need builders risk insurance.

Builders risk insurance is effectively a form of property insurance that covers the period while the property is still under construction. It’s possible for the property owners to take out such a policy, though more commonly it’ll be a policy they insist the contractors take out.

What does a builders risk policy cover?

The key areas of coverage are damage caused by events such as fire and hail storms. You’ll also normally be covered for theft, vandalism (though not by your employees), and damage caused by vehicles or aircraft hitting the building. To make sure coverage levels are adequate, policies are often set at a fixed percentage of the total construction budget. You’ll need to check how long the policy runs as it typically won’t allow repeated extensions of the construction timeline.

Coverages that are not included.

It’s important to be aware of what builders risk insurance doesn’t cover. Unless specifically stated, it won’t cover specific increased risks such as flooding on a beachfront construction or earthquakes near a fault line. It also doesn’t cover injuries suffered by workers, meaning you’ll still need any legally-required workers’ compensation insurance coverage, as well.

If builders risk insurance sounds right for you, contact us today for a quote. We will compare the leading Builders Risk insurance companies to assure you don’t overpay for this coverage.

We have programs for Residential or Commercial, new ground up construction, remodeling, incomplete project and even  a lapse in builders risk coverage or prior carrier will not offer a renewal. Call the leader in Builders Risk insurance for your quote.

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