Simple Solutions to Complex Situations

Call Us

Commercial Auto

Light Auto, Medium Auto, Long Haul, Tow Trucks, Sand & Gravel, Intermodal, Cargo and more.

More Info

Business Insurance

Business Owner's Policy, Workers' Compensation, Cyber, Real Estate, Restaurants, Retail, and more.

More Info

Contractors Insurance

General Liability, Builder's Risk, Tools, Professional Liability, Tools & Equipment, Bond's and more.

More Info

Personal Insurance

Auto, Home, Motorcycle, RVs, ATVs Boats, Classic Car, Renters, Condominiums' and more.

More Info
Home » Business Insurance Center » Builder’s Risk

Builder’s Risk


Builder’s risk insurance covers property and construction materials during a project. It’s also called COC Insurance. Builder’s risk policies are available for either commercial or residential projects. Projects can be for new construction projects, remodeling and installation work.


What’s Covered?

What’s Not Covered

Buildings and structures that are under construction, including temporary storage buildings, fencing and scaffolding
Equipment as long as the equipment is covered under the policy
Materials and supplies being used
Project electronic data and blueprints
Ordinance and law costs, or rebuild due to building codes and laws at the time of the loss or the increased cost to repair.
*Other coverages can be added to your Builder’s Risk Policy.
*The coverages above are common coverages.
Acts of terrorism and war
Damage due to faulty design
Employee theft
Work Vehicles
Mechanical Breakdowns
Rust and Corrosion
Wear and Tear

Who should get Builder’s Risk?
Building Owners
Development and Investment Companies
General Contractors

If you have decided to purchase a builders risk policy, it is extremely important to get covered before the project begins. This is because the insurance company will only cover the costs of work / property built after the coverage start date. Any work done before your insurance policy begins will not be covered.