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Builder's Risk


Residential and Commercial Course of Construction Coverage


Program Highlights | Eligible Projects | Coverages | Additional Coverages | Definitions | Eligible States
Program Summary

The Builder's Risk program is a Course of Construction policy that provides coverage for:

  • Residential structures up to $5,000,000 in value, and

  • Commercial structures up to $25,000,000 in value.

  • Eligible Projects

The program offers quotes usually within 10 minutes after the receipt of your application, during business hours.



Apply for a Builder's Risk

Insurance Quote 






Program Highlights


  • Available for US based insureds with construction projects in the US, except projects located in Tier 1 counties in FL, TX, LA, MS, AL, GA, SC, NC, VA, MD
  • Coverage term available up to 24 months
  • Minimum Premium $1,000
  • All Protection classes
  • Deductible options from $1,000 up to $50,000


Coverages available through the Builder's Risk program:


Automatically Included

Can be increased to

(for an additional premium)

Existing Structures As Declared  
Earnings, Rents and Soft Costs $25,000 $250,000
Property While at Other Locations $25,000 $250,000
Property in Transit $25,000 $250,000
Construction Trailers & Contents $25,000 $50,000
Trees, Shrubs and Plants $10,000 $50,000
Ordinance or Law $100,000 $1,000,000
Earthquake n/a Building Limit
Flood n/a Building Limit
Wind Building Limit n/a
Additional Coverages


Coverages that are automatically included:



Automatically Included

Can be increased to

(for an additional premium)

Construction Documents



Construction Signs



Pollutant Cleanup



Debris Removal



Fungus, Wet Rot, Dry Rot and Bacteria



Expediting Expense $10,000  
Fire Department Service Charges $5,000  
Fire Protection - Device Research Expense $25,000  
Contractual Penalties $25,000  

LEED Indoor Air Quality Standards

Restoration Expense

Sinkhole Collapse Included  
Testing / Mechanical Breakdown Included  
Blanket Loss Payee Included  
Unintentional Errors or Omissions Included  
Rain, Snow, Sleet, Sand or Dust Included  


Soft Costs means expenses relating to covered property consisting of:
  • Advertising and promotional expenses
  • Architectural and engineering supervisory services and consulting fees
  • Audit and bookkeeping services
  • Commissions or fees for the renegotiation of leases
  • Fees for licenses and permits
  • Insurance premiums for Builder's Risk, Workers' Compensation and General Liability insurance
  • Interest on the construction loan
  • Realty taxes and other assessments
  • Rental or lease expense of construction equipment



Coverages referenced on this website may not be available in all territories and may vary depending on the exposure. Minimum premiums may vary by

State. Coverages and services described in this website are generally stated for the purpose of promotion. The material does not modify or amend the

terms, conditions, or coverages of any policy. Please ask your Supple-Merrill & Driscoll, Inc. representative to explain coverage details, exclusions, limits

or other provisions of any insurance policy.



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