

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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