Builder’s Risk Insurance in California

What We Offer

Builder’s Risk Insurance in California

We understand that construction and renovation projects come with a unique set of risks. Whether you're building a new home, remodeling your kitchen, or adding a new office space, your investment needs protection. That’s where Builder’s Risk Insurance comes in. Builder’s Risk Insurance—sometimes called course of construction insurance—is designed to cover a property during construction or major renovation. It protects against damage caused by fire, theft, vandalism, weather events, and other unforeseen risks that could delay or disrupt your project.

Homeowners Insurance

Why Builder’s Risk Insurance is Essential

During any construction phase, property is especially vulnerable. Standard Homeowner Insurance policies often exclude coverage for ongoing construction work. That’s why Builder’s Risk Insurance is not just beneficial—it’s necessary.

This policy is ideal for:

Homeowners building custom homes
Real estate developers
Contractors and subcontractors
Commercial property owners planning renovations
House flippers and real estate investors

What Does Builder’s Risk Insurance Cover?

Your Builder’s Risk Insurance policy may include coverage for:

Damage to the structure under construction
Materials, fixtures, and equipment on-site or in transit
Temporary structures (like scaffolding or fencing)
Losses caused by fire, hail, windstorms, lightning, and vandalism
Soft costs such as permits, legal fees, and architectural plans

Optional Add-Ons May Include:

Flood or earthquake coverage
Theft by employees
Equipment breakdown
Debris removal

Every construction project is different. Our insurance experts can customize your policy based on your unique risk profile and budget.

Who Should Carry Builder’s Risk Insurance?

Builder’s Risk coverage is typically purchased by:

Property owners
Contractors or construction managers
Lenders or financial institutions funding the project

Depending on the contract, the responsibility for obtaining insurance might fall on the contractor or the property owner. Either way, ensuring that coverage is in place before the project begins is critical.

Bundle with Other Coverages for Full Protection

In many cases, Builder’s Risk Insurance works best when paired with other essential coverages. For example:

If you're hiring subcontractors or a construction team, you may also need General Liability Insurance to protect against third-party claims of bodily injury or property damage.
If the building will later be rented or sold, our Landlord Insurance and Commercial Property Insurance solutions may apply.
Planning to move in after the construction? Explore our Homeowner Insurance to protect your residence and belongings post-construction.