Builders’ Risk Coverage

Builders’ Risk coverage is critical to contractors, owners and developers as it protects against the unique property loss exposures associated with construction projects. Standard coverage forms generally do not take into account all the risks involved in construction projects, such as increased exposure to the elements, fluctuating property values, property in transit and more. Builders’ Risk can protect contractors, owners and developers against these risks and more. In fact, construction contracts often require one party to acquire Builders’ Risk to ensure proper coverage throughout the process.

Property Covered


  • Materials and Supplies to Become a Permanent Part of the Building
  • Foundations
  • Excavations
  • Grading
  • Filling
  • Attachments
  • Permanent Fencing and Other Permanent
  • Scaffolding
  • Construction Forms or Temporary Fencing
  • Temporary Structures at the Jobsite

Property Not Covered


  • Aircraft, Watercraft, Contraband, Land, Money & Securities, Vehicles, and Existing Buildings or Structures, unless endorsed on the policy.

*Supplemental limits and Extensions of Coverage limits can be increased upon request. Coverage can be written on one-time basis or on a blanket reporting form.

Note: These coverages are a representation of those available at the time of printing. Consult your agent for those coverages best suited to your business needs.

Automatic Coverages Provided in Form IM 7050*


Expediting Expenses
$10,000 any one occurrence

Expense to Re-Erect Scaffolding
$1,000 any one occurrence

Personal Property
$10,000 any one occurrence

Pollution Cleanup and Removal
$25,000

Rewards Coverage
$1,000 any one occurrence

Sewer Backup Coverage
$10,000

Storage Locations
$10,000

Transit
$10,000

Trees, Shrubs and Plants
$10,000

(specified perils coverage)