Builders' Risk & Construction Insurance
Protecting residential builds, commercial developments, and renovations from groundbreaking to completion.
Protection During the Construction Phase
A building under construction faces specific hazards that standard property policies exclude. Builders’ risk insurance protects your financial investment by securing raw structures, materials, and equipment from the moment they arrive on-site until the project is finalized and accepted by the owner.
Whether you are working on a ground-up commercial build, a residential development, or a home renovation project, our independent agency finds coverage to match your exact job scope. We help ensure your assets remain secure through every phase of construction.
Construction Project Security
Our builders’ risk policies cover critical assets throughout the lifecycle of your project, including:
The Structure: The actual building or remodeling work in progress.
On-Site Materials: Uninstalled supplies, lumber, and fixtures stored at the job site.
In-Transit Materials: Protection for building components while they are being transported to the site.
Temporary Structures: Scaffolding, construction trailers, and temporary fencing.
Policy Endorsements & Underwriting Guidelines
Construction projects often require extra policy extensions to cover massive unseen liabilities:
Earth Movement: Essential for large-scale projects where digging, excavation, or land shifting creates financial risk.
Temporary Storage: Protects building materials stored in off-site warehouses before delivery.
Soft Costs: Covers losses from project delays, including extra permit fees, architectural costs, and loan interest.
Builder Experience Expectations
Carrier Requirement: For commercial developments, insurance companies review your operational history. Most competitive markets require the builder or general contractor to have 2 to 3 years of verifiable experience in commercial construction before issuing a policy.
The VRP Advantage
- Independent Local Agents
- Nearly 30 Years Experience
- Top-Rated Insurers Only
- Honest, Personalized Advice
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