Builders Risk Insurance
Builders' Risk Insurance protects buildings and structures while they are under construction or renovation. It helps cover damage from fire, theft, vandalism, and certain weather events so projects stay on track and investments remain protected from costly setbacks.
Coverage Designed for Projects in Progress
Builders Risk Insurance is designed specifically for structures that are in the process of being built, remodeled, or expanded. During construction, properties face unique risks that standard property policies typically do not cover. From unexpected storms to jobsite theft, a single incident can cause major delays and financial strain. This coverage helps protect materials, labor, and the structure itself so contractors, owners, and developers can move forward with confidence.
Structure Coverage
Protects the building under construction against fire, wind, vandalism, and other covered causes of loss.
Materials and Supplies
Covers building materials and supplies stored onsite or in transit to the jobsite.
Temporary Structures
Protects scaffolding, fencing, and other temporary structures used during construction.
Soft Costs Coverage
Helps cover additional expenses like architectural fees or loan interest if delays result from a covered loss.
Insurance Unlimited Benefits
Local Expertise
We understand life in the West and the risks that come with it. From mountain roads to sudden storms, our team knows how to match coverage to the realities of our communities.
Personal Relationships
Insurance is not one size fits all. We take the time to get to know you, your family, or your business so your coverage reflects what matters most.
Trusted Support
When the unexpected happens, you will have a partner who stands with you. Our agents are here to guide you through claims, answer questions, and provide peace of mind every step of the way.
Property Owners and Developers
Owners and investors protect their financial stake in new builds or renovations against unexpected physical damage during construction.
General Contractors and Builders
Contractors benefit from protection that supports contract requirements and helps keep projects on schedule after a covered loss.
Essential Coverage for Construction Stakeholders
Builders Risk Insurance benefits those with a financial interest in a construction project. It helps reduce exposure during one of the most vulnerable phases of property ownership, when structures, materials, and timelines are still in progress. By providing financial protection against unexpected losses, it helps keep budgets intact and projects moving forward with greater confidence.
Real Stories from
Our Community
We’re proud to protect what matters most to our neighbors. These real stories from real clients reflect the trust, service, and peace of mind that define Insurance Unlimited.
Frequently Asked Questions
Your success is at the heart of everything we do. As trusted insurance agents, we’re here to provide clear answers and expert guidance, helping you navigate challenges, uncover opportunities, and achieve lasting growth.
When does Builders Risk coverage begin and end?
Coverage typically begins when construction starts and ends when the project is completed, occupied, or transferred to a permanent property policy.
Does Builders Risk cover weather related damage?
Most policies cover certain weather events like wind or fire. Flood and earthquake coverage may require separate endorsements or policies.
Who should purchase the policy?
The property owner, general contractor, or developer may purchase Builders Risk Insurance depending on contract terms and project agreements.
Ready to Get Started?
Protect your home, your business, and your future. With Insurance Unlimited, you’re covered every step of the way, from plains to peaks.
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