Your materials stolen or destroyed on your job site? You need Builders Risk! Call (800) 918-3584 today.
Builders Risk insurance protects your investment in materials, fixtures, and equipment during construction or renovation projects. Don't let theft, fire, or natural disasters destroy your profits and reputation.
What is Builders Risk Insurance?
Builders Risk (also called Course of Construction) insurance covers the insurable interest in materials, fixtures, and equipment being used in construction or renovation against physical loss or damage. This essential builders risk insurance protects construction projects and buildings under construction from various perils. Builder's risk coverage provides comprehensive protection for any construction project from start to finish.
Comprehensive Coverage Options
Standard Coverage Includes
Theft Protection: Materials and equipment stolen from construction sites
Fire Damage: Complete fire protection for structures and materials
Weather Events: Wind, hail, and storm damage at the construction site
Vandalism: Malicious damage to your project
Materials in Transit: Protection while moving materials, fixtures and or equipment to the site
Debris Removal: Coverage for cleanup costs when items sustain physical loss
Property Damage: Protection against physical loss or damage during the course of construction
Optional Enhanced Coverage
Flood Protection: Essential in flood-prone areas
Earthquake Coverage: Critical in seismic zones
Backup of Sewers/Drains: Water damage protection
Soft Costs: Lost income and additional expenses
Equipment Breakdown: Mechanical and electrical failures
Liability Coverage: Additional protection beyond standard builders risk policies include
Who Needs Builders Risk?
Contractors
Protect your materials investment
Meet contract requirements
Maintain your reputation
Avoid out-of-pocket losses
Property Owners
Protect your construction investment
Satisfy lender requirements
Ensure project completion
Peace of mind during construction
Financial Institutions
Protect loan collateral
Ensure project viability
Reduce financial risk
Comply with regulations
Policy Terms & Options
New Construction
Standard Term: 12 months
Coverage Ends: When homeowner's/property policy begins
Extensions Available: If project runs longer
Renovations & Remodels
Flexible Terms: 3, 6, 9, or 12 months
Project-Based: Match coverage to project timeline
No Early Completion Refunds: Choose term carefully
Pricing Factors
Your risk insurance cost depends on several factors. Builders risk insurance cost varies based on:
Project Location: Risk varies by geography
Construction Type: Frame, masonry, or metal
Project Type: Residential vs. commercial
Coverage Options: Standard vs. enhanced
Project Value: Total completed value
Basic policies start at just $375 in most states through our partnership with Zurich. Our insurance company partners provide competitive rates for all types of construction projects.
Our Insurance Partners
US Assure
Competitive rates
Flexible coverage options
Quick quote turnaround
Excellent claims service
Zurich Builders Risk
Industry leader in construction insurance
Proven reliability and expertise
Comprehensive coverage options
Financial strength and stability
Specialized risk insurance cover for construction projects
Real-World Scenarios
Theft Prevention
A contractor storing $50,000 in materials on-site returns Monday to find everything stolen. Builders risk insurance cover protects against such losses, replacing stolen materials and keeping the construction project on track.
Weather Protection
A sudden hailstorm damages roofing materials and breaks windows already installed. The construction site suffers significant damage, but builders risk insurance pays for repairs and replacements.
Fire Coverage
An electrical fire during construction causes $200,000 in damage to buildings under construction. Builders Risk covers the rebuild costs and damaged materials, ensuring the construction or renovation project continues.
Get Protected Before You Start
Don't wait until materials are on-site to get coverage. Builders Risk should be in place before construction begins.
Call Now: (800) 918-3584 or 844-WORK-247
Our agents will help you choose the right coverage level and options for your specific project needs.
Apply for Builders Risk Insurance
Ready to protect your construction project? Complete our comprehensive application below. Our experienced underwriters will review your information and provide you with competitive quotes from multiple carriers.
Why Choose CCA for Builders Risk?
20+
Years Experience
Serving contractors since 2005
48
States Licensed
Nationwide coverage available
$375
Starting Premium
Competitive rates from top carriers
Our Advantage
Expert Underwriting: Specialized knowledge of construction risks
Multiple Carriers: Compare rates from US Assure, Zurich, and others
Fast Quotes: Get your quote within 24-48 hours
Claims Support: Dedicated claims assistance when you need it most
Project Flexibility: Coverage options for any size project
Local Service: Arizona-based team with national reach
Need help understanding your coverage options or have questions about the application process?
Application Support
Our licensed agents are available to help you complete your Builders Risk application and answer any questions about coverage options, pricing, or policy terms.
Call us at 844-967-5247 during business hours (Mon-Fri 9 AM - 5 PM) for immediate assistance.
Pro Tip
Start your Builders Risk application early in your project planning process. Having coverage quotes in hand helps with accurate project budgeting and ensures protection is in place before ground breaking.
Key Features
Theft and vandalism protection
Fire and natural disaster coverage
Materials in transit coverage
Optional flood and earthquake protection
Residential and commercial projects
Multiple carrier options (US Assure, Zurich)
Frequently Asked Questions
Who should purchase Builders Risk insurance?
Contractors, business owners, homeowners, and financial institutions can all purchase Builders Risk. It's typically required by lenders and recommended for any construction project.
How long does coverage last?
New builds typically have 12-month terms ending when a homeowner's policy is purchased. Remodels can have 3, 6, 9, or 12-month terms with no refunds for early completion.
What affects the cost of Builders Risk?
Pricing depends on location, construction type, project type, optional coverages, and state fees and taxes. Basic policies start at $375 in most states.
