Builders Risk Insurance · California
Builders Risk Insurance for California Construction Projects
Builders Risk insurance protects construction projects under development — from ground-up builds to major renovations. It covers the structure, materials, and supplies on-site against fire, wind, theft, vandalism, and other covered perils during the construction period.
What It Covers
Fire or explosion damage during active construction
Theft of materials and equipment from an open job site
Wind, hail, or weather damage to a structure under construction
Vandalism to an unoccupied project site
Water damage from exposed roofing or framing
Soft cost overruns from a covered delay
Coverage Components
Core Components
Structure Under Construction
Covers the building or structure being built or renovated.
Materials & Supplies On-Site
Covers building materials and supplies stored at the project location.
Optional / Add-On Components
Materials in Transit
Covers materials being delivered to the job site.
Soft Costs
Covers additional expenses like architect fees, permits, and financing costs from a covered delay.
Renovation Projects
Covers existing structures being remodeled or renovated.
Ordinance or Law
Covers additional costs to rebuild to current building codes after a covered loss.
Frequently Asked Questions
