Builders Risk Insurance

Builders risk coverage for construction and renovation projects.

Prime Go Brokerage helps property owners, contractors, builders, and developers request builders risk insurance for projects under construction or major renovation.

Common projects we can help with

  • New home construction
  • Commercial building projects
  • Major remodeling or renovation
  • Tenant improvements
  • Investor, landlord, and owner-builder projects

What builders risk insurance is for

Builders risk insurance is designed to help protect a property while it is being built, remodeled, or repaired. It is usually purchased for a specific project and a specific construction timeline.

Structures under construction

Coverage may help protect the building or structure while work is being completed, depending on the policy and carrier terms.

Materials and supplies

Policies may include coverage for covered materials, fixtures, and supplies that are intended to become part of the project.

Covered project losses

Builders risk may respond to covered causes of loss such as fire, theft, vandalism, or certain weather-related damage, subject to exclusions.

Who may need it

  • Property owners building a new structure
  • Contractors managing construction projects
  • Real estate investors renovating property
  • Landlords improving rental property
  • Developers with lender insurance requirements

Information needed for a quote

  • Project address
  • Total completed value or construction budget
  • Project start and expected completion date
  • Type of construction and occupancy
  • Contractor or owner-builder details
  • Any lender or contract requirements
Builders risk insurance does not usually replace general liability, workers compensation, commercial auto, contractor equipment, professional liability, flood insurance, or other coverage that may be needed for the project. Coverage availability, pricing, eligibility, exclusions, and terms depend on the carrier, project details, state, underwriting, and policy documents.

Simple help getting the right quote started

Builders risk can vary by project type, construction value, location, timeline, and who is responsible for insuring the job. Prime Go Brokerage can help collect the basic details and look for available options.

Project review

We review the basic project details so the quote request is clear before it goes to a carrier or market.

Coverage direction

We help identify whether builders risk is the right starting point or if another type of policy also needs to be considered.

Document support

We help organize the information needed for applications, lenders, contracts, certificates, and next steps.

Need a builders risk quote?

Send the project details to Prime Go Brokerage and we will help you get the quote process started.

Contact Us for a Quote