Builder’s Risk (Course of Construction) Insurance

Builder’s Risk Insurance is a specialized form of property coverage that protects a project while it’s under construction. Whether you’re building from the ground up, renovating, or remodeling, this coverage helps safeguard the materials, equipment, and work in progress that your project depends on.

Why Builder’s Risk Coverage Matters

Construction projects face a variety of risks before they’re completed. Builder’s Risk Insurance helps protect your business from unexpected physical losses or damage that can delay a project and create costly setbacks.

Builder’s Risk typically covers losses caused by:

• Fire

• Wind

• Theft

• Vandalism

(Please note flood and earthquake are generally not covered unless added by endorsement.)

Who Requires Builder’s Risk?

Requirements vary by state, but many jurisdictions expect contractors or project owners to have Builder’s Risk coverage in place. In some areas, a policy must be active before work begins.

Additionally, most lenders and banks require Builder’s Risk Insurance to secure financing for construction projects, making it an essential part of project planning.

Protect Your Project from Start to Finish

At Brooks Commercial Insurance Services, we help contractors determine the right Builder’s Risk policy for their project needs—whether it’s a residential build, commercial renovation, or large-scale construction job. Our goal is to keep your project protected so it can stay on schedule and move forward smoothly.