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Builders Risk Insurance

Whether you are renovating a building, adding onto a building or building a completely new structure, you may want to look into builders risk insurance. It is sometimes known as “course of construction insurance” and is a type of property insurance.

protect your business and contracting projects with builders risk insurance through bayside insurance.

Who Needs Builders Risk Insurance?

Developers, builders and contractors take on big risks every day when investing their time and money into a major construction or remodeling project. Builders risk insurance can protect and cover your service to keep your business moving forward. Consumers may also need purchase builders risk insurance if they are responsible for insuring while the property is under construction.

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biulders risk insurance from bayside will protect you in the case of some events such as fire, hail, theft, and vandalism.

What Does Builders Risk Insurance Cover?

Your builders risk policy provides coverage for the damage done to the insured building. Coverage typically includes property damage including, construction material, heavy machinery, heavy equipment, fencing, temporary structures, and construction signs.

Most policies will typically cover damage from the following events:

  • Wind
  • Fire
  • Hail
  • Lightning
  • Explosion
  • Theft
  • Vandalism

Some coverage will be a part of the basic policy; other items will need to be added. It is important to work with an experienced insurance agent to create a policy that is customized to your project.

Builders risk insurance is different from a surety bond, which is used to protect the homeowner from financial losses when the contractor does not complete the project.

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What Is Builders Risk Insurance?

Builders risk insurance is a type of property insurance that covers the building that is currently being constructed, as well as the materials and equipment used during construction. It can cover just the building itself, or it can include the materials on the site. Builders risk insurance policies are written 12-month terms. If the project is not completed on time, you usually can extend the term.

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