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Builder's Risk Insurance Guides

If you are planning a construction project, this page brings together the builder’s risk questions owners, developers, lenders, and contractors often need to sort through before coverage is in place.

Request a Builder's RIsk Insurance Quote Talk with a Dream Assurance Agent

Builder’s risk insurance can bring up a lot of practical questions in a short amount of time. What does it cover? What affects cost? Who should be named on the policy? This page is here to help you start with the basics, review common project questions, and find the right next step when you are ready to look more closely at coverage.

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Insurance advisor, project manager, and construction professional reviewing commercial building plans together at a construction site office, representing builder's risk insurance soft costs such as project delays, financing, taxes, permits, and lost rental income.

Soft Costs in Builder’s Risk Insurance: Delays, Interest, Taxes, and Lost Rents Explained

A builder's risk loss can affect more than the damaged structure or materials. If covered property
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Commercial construction stakeholders review builder’s risk insurance details in a site office overlooking an active building project.

Builder’s Risk Insurance for Commercial Construction Projects

Commercial builder's risk insurance is usually reviewed around more than the building itself. Developers, lenders, property
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Project manager, tenant, and contractor review renovation plans in a partially remodeled commercial office space with stored materials and finish samples.

Builder’s Risk Insurance for Renovations, Remodels, and Tenant Improvements

Renovations, remodels, and tenant improvements can create different builder's risk questions than a ground-up project. Existing
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Two construction professionals in hard hats review project details on a tablet at an active jobsite for builder’s risk and contractor insurance coverage.

When Does Builder’s Risk Coverage Start and End?

Builder's risk coverage usually starts on the policy effective date, but only when the project, property,
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Insurance advisor and contractors review coverage details beside tools and materials at an active construction site.

Builder’s Risk vs. Contractor Insurance: Where Inland Marine Fits

Builder's risk, contractor insurance, and inland marine coverage are often discussed together, but they do not
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Construction professionals reviewing jobsite plans for builder’s risk and general liability insurance coverage.

Builder’s Risk vs. General Liability: What’s the Difference on a Jobsite?

Builder's risk and general liability solve different construction insurance problems. Builder's risk is usually about covered
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Insurance advisor and construction project manager reviewing building plans in front of a partially completed wood-frame structure at a residential job site, illustrating builder’s risk insurance coverage during construction.

What Does Builder’s Risk Insurance Cover and Exclude?

Builder's risk insurance may cover physical damage to a building or structure while work is underway,
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Property owner, general contractor, and lender reviewing plans at a commercial construction site.

Who Buys Builder’s Risk Insurance? Owner vs. Contractor vs. Lender

Either the property owner or the general contractor may buy builder's risk insurance. The construction contract,
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Partially completed commercial building with scaffolding and project plans in the foreground, representing builder’s risk insurance cost for construction projects

Builder’s Risk Insurance Cost: What Affects Price for Residential vs. Commercial Projects?

Builder's risk insurance cost depends on the details of the project. Pricing is usually shaped by
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multi-story commercial-building with construction-site workers covered by builder's risk insurance

What Is Builder’s Risk Insurance? Coverage, Exclusions, Cost Factors, and Who Needs It

Builder’s risk insurance is temporary coverage that helps protect a project while work is still underway.
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Next step

Ready to talk through a project?

If you would like help reviewing builder’s risk options for a specific job, we can walk through the project details and help you compare what may need to be covered.

Request a Builder's Risk Insurance Quote Talk with a Dream Assurance Agent