Builder’s Risk Insurance for Contractors

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Select the type of project below to get started. Each form is designed to capture the right information for accurate builder’s risk coverage.

What Is Builder’s Risk Insurance?

Builder’s risk insurance is a specialized form of property insurance that helps protect buildings and materials while a project is under construction or renovation. Coverage typically applies during the course of construction and ends once the project is completed or occupied.

Builder’s risk insurance is commonly required by lenders, property owners, and contracts for both new construction and remodel projects.

Why Contractors Need Builder’s Risk Insurance

Construction projects face unique risks before completion. Builder’s risk insurance helps protect against losses that standard property or liability policies do not cover.

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• Protects structures during construction or renovation

• Covers materials, supplies, and fixtures on‑site

• Often required by lenders and project owners

• Helps prevent costly out‑of‑pocket losses

• Provides peace of mind during the build process

What Builder’s Risk Insurance May Cover

Coverage varies by policy and carrier, but builder’s risk insurance may include protection for:

• Buildings under construction

• Materials, supplies, and fixtures

• Temporary structures

• Theft and vandalism

• Fire and weather‑related damage

Coverage terms, limits, and exclusions vary by policy and carrier.

Click the button for a new construction quote or remodel quote:

Builder’s Risk Insurance Across the Western United States

We assist contractors with builder’s risk insurance in the following states:

California • Nevada • Texas • Arizona • Oregon • Colorado • Washington and more.

Builder’s Risk Insurance FAQ

Is builder’s risk required for construction projects?

Builder’s risk insurance is often required by lenders, property owners, and contracts, especially for new construction.

Who should purchase builder’s risk insurance?

Depending on the contract, builder’s risk may be purchased by the contractor, property owner, or developer.

Is builder’s risk the same as general liability?

No. Builder’s risk covers property during construction, while general liability covers third‑party claims.

How long does builder’s risk coverage last?

Coverage typically lasts for the duration of the construction project and ends upon completion or occupancy but most companies offer from 3 months to a 12 month term with the option to renew.

Can you insure renovation projects?

Yes. Builder’s risk coverage is available for remodels and renovation projects, subject to underwriting.

Insurance services provided by Bearstar Insurance Services.
Jesus Galvan is a licensed insurance broker in CA, NV, TX, AZ, OR, CO, and WA.
Coverage availability, limits, terms, and exclusions vary by state and carrier underwriting guidelines.
This content is for informational purposes only and does not constitute a binder of coverage.

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Builder’s Risk Insurance for New Construction

Use the form below to request a builder’s risk quote for new construction projects. This form is designed for ground‑up builds, additions, and new structures.

Builder’s Risk Insurance for Remodels & Renovations

For remodels, tenant improvements, or renovation projects, use the form below. Coverage needs differ from new construction, and this form helps capture the right details.