Project and policy details
Gather the jobsite address, project scope, expected completion date, policy effective date, and requested completed value or limit.
Builder's Risk resource
Builder's Risk Proof-of-Coverage Guide
A practical checklist for owners, lenders, and general contractors who need to organize the project details, policy information, required parties, and supporting documents that may be needed before proof of coverage is reviewed.
Need help comparing coverage for a specific project? Explore Builder's Risk insurance coverage.
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By submitting this form, you agree to receive communications from Dream Assurance about this guide and related insurance services. This guide is for educational purposes only. It is not an insurance policy, contract, or legal advice. Actual coverage, terms, and availability depend on the policy, endorsements, project documents, underwriting requirements, and facts of a claim.
Before the request
What this guide helps you prepare
Use the checklist before work begins, before a lender draw, or whenever a project stakeholder needs proof of Builder's Risk coverage. It helps your team spot details that may need policy, contract, lender, or carrier review.
Parties and requested wording
Confirm the legal names for the owner, developer, general contractor, lender, certificate holder, and any party requesting policy-supported wording.
Documents and timing
Keep the contract, loan agreement, insurance specifications, endorsements, and delivery deadline available before the request is reviewed.
Project roles
Who this guide helps
Builder's Risk responsibilities can change based on the contract, financing arrangement, project structure, and named insured setup. The guide helps the people involved arrive at the review with the same core information.
Owners and developers
Organize project identity, property details, financing requirements, and policy information tied to the work being completed.
General contractors
Prepare the jobsite details, contract requirements, requested certificate information, and supporting documents that may affect delivery.
Lenders and financing contacts
Confirm the requested party details, loss-payable or mortgagee wording, timing requirements, and documents needed for review.
Learn more about who usually buys Builder's Risk insurance before deciding who should coordinate the policy and proof-of-coverage request.
Common questions
Builder's Risk Proof-of-Coverage Questions
Use these answers to understand what the guide can help you organize before a Builder's Risk certificate or proof-of-coverage request is reviewed.
What is a Builder's Risk proof-of-coverage guide?
A Builder's Risk proof-of-coverage guide is a working checklist that helps owners, lenders, and general contractors organize the information that may be needed before a certificate or proof-of-coverage request is reviewed.
Is a certificate of insurance the same as the policy?
No. A certificate can provide evidence that listed coverage exists at a point in time, but the policy and endorsements determine the actual coverage, terms, conditions, and limitations.
Who may need to be listed on a Builder's Risk request?
The owner, developer, general contractor, lender, certificate holder, or another project stakeholder may need to be identified, depending on the project documents, policy setup, and requested wording.
What should I have ready before requesting proof of coverage?
Have the jobsite address, project details, policy information, legal names of required parties, requested wording, supporting documents, and deadline ready for review.
Can a certificate add coverage or change policy terms?
No. A certificate cannot add coverage or change the policy by itself. Requested wording may need policy support, an endorsement, carrier approval, or contract review.
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Get the service help you need
Use the service center when you need to report a claim, request a policy change, or find the right next step for an existing policy.
Next step
Need help reviewing a Builder's Risk request?
Dream Assurance can help you compare coverage options, identify details that need review, and decide what to do next for a specific project.