Builders Risk Highlights

Availability: Admitted in 49 states and D.C.* (not available in HI)
Minimum premium: $400
Limits: Ability to quote all project values
Coverage: Admitted with an A rated carrier
Billing options:
Broker bill or direct bill
Target markets: Residential construction, commercial construction, residential/commercial remodeling (including historical buildings), installation floaters

Coverage includes

  • Claim preparation expenses
  • Blueprint and construction documents
  • Fraud and deceit
  • Theft of building materials
  • Interest of subcontractors
  • Pollutant cleanup/removal
  • Ordinance or law (limit increased to $1,000,000)
  • Soft costs
  • Expediting expenses
  • Property in transit (limit increased to $500,000)
  • Property at temporary storage (limit increased to $500,000)
  • Business income and extra expenses
  • Permission to occupy
  • Protective safeguard warranty
  • Automatic limits of insurance for numerous exposures
  • Ability to include profit coverage
  • Underwriting guidelines and rates developed for each state and county

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