Builders Risk Insurance

Specialized insurance coverage for buildings under construction and renovation projects. Protect your investment from fire, theft, vandalism, and weather damage during the construction phase.

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Builders Risk Coverage Available In:

Alabama Arizona Florida Georgia Indiana Maryland Maine New Jersey New York North Carolina Ohio Pennsylvania Tennessee Texas Virginia

What is Builders Risk Insurance?

Builders risk insurance is specialized property insurance that covers buildings while they are under construction. It protects the structure, materials, equipment, and fixtures from various risks during the construction or renovation process.

What's Covered:

  • Building under construction or renovation
  • Materials, supplies, and equipment on-site
  • Fire, lightning, and explosion damage
  • Theft and vandalism
  • Wind, hail, and weather damage
  • Temporary structures and scaffolding
Get Builders Risk Quote

Why You Need Builders Risk

Did you know? Construction projects worth millions can be lost to fire, theft, or weather damage without proper builders risk coverage.

  • Required by most construction lenders
  • Protects your construction investment
  • Covers materials before installation
  • Essential for project completion

Types of Construction Projects We Cover

We provide builders risk coverage for a wide range of construction and renovation projects.

New Construction

Complete coverage for ground-up construction of residential, commercial, and industrial buildings.

  • • Single-family homes
  • • Multi-family dwellings
  • • Commercial buildings
  • • Industrial facilities
  • • Mixed-use developments

Renovations & Remodeling

Protection for renovation projects, additions, and major remodeling work on existing structures.

  • • Building additions
  • • Interior renovations
  • • Structural modifications
  • • Historic restorations
  • • Tenant improvements

Specialty Projects

Customized coverage for unique construction projects and specialized building types.

  • • Churches and schools
  • • Healthcare facilities
  • • Hotels and resorts
  • • Shopping centers
  • • Infrastructure projects

Who Needs Builders Risk Insurance?

Builders risk insurance is essential for anyone involved in a construction project.

General Contractors

Protect your construction projects from start to completion.

Property Owners

Safeguard your investment during construction or renovation.

Developers

Essential coverage for residential and commercial developments.

Subcontractors

Protect your work and materials throughout the project.

Coverage Options & Endorsements

Customize your builders risk policy with additional coverage options to meet your specific needs.

Standard Coverage Includes:

  • Building & Structure

    Coverage for the building under construction

  • Materials & Supplies

    Building materials at the job site

  • Temporary Structures

    Scaffolding, fencing, and site facilities

  • Debris Removal

    Cost to remove debris after a covered loss

Optional Endorsements:

  • Soft Costs Coverage

    Lost rent, loan interest during delays

  • Equipment & Tools

    Coverage for contractor equipment

  • Transit Coverage

    Materials in transit to the site

  • Flood & Earthquake

    Extended perils coverage

What's Not Covered?

Understanding policy exclusions helps you make informed decisions about additional coverage needs.

Standard Exclusions

Typical builders risk policies do not cover:

Design & Workmanship

  • • Faulty design or workmanship
  • • Design errors or omissions
  • • Poor quality materials
  • • Installation errors

Certain Perils

  • • Flood (unless added)
  • • Earthquake (unless added)
  • • War and nuclear hazards
  • • Wear and tear

Business Risks

  • • Mechanical breakdown
  • • Employee theft
  • • Business interruption
  • • Contractor liability

Why Choose PCFG Insurance for Builders Risk Coverage?

Our construction insurance expertise helps protect your projects from start to finish across 15 states.

Construction Expertise

Deep understanding of construction risks and insurance needs for all project types.

Competitive Rates

We shop multiple carriers to find the best builders risk rates for your project.

Dedicated Support

Expert guidance throughout your project from groundbreaking to completion.

Protect Your Construction Project

Get a competitive builders risk quote today. Our construction insurance experts will help you find the right coverage for your project.