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  • Builders Risk

Inland Marine Builders' Risk Insurance

When constructing a building, it takes a lot of planning to get things just right. Contractors' and project owners need to attend to every detail to make sure their projects will hold up under unexpected challenges.

With Travelers, you can be confident that the unexpected is protected. No matter the size or scale of your construction project, we offer you builders' risk insurance coverage and services to keep it moving forward. Our expertise extends in a broad spectrum of projects, including stadiums, arenas, bridges, renewable energy, educational and medical/healthcare facilities, plus public sector projects such as street and road construction.

Construction Pak® – Builders' Risk Coverage

Our enhanced Builders' Risk product goes beyond the basics with a broad coverage form designed specifically for the diversity of construction projects that come your way. Our coverage offers flexibility to insure a specifically designated project or reporting options to meet the broad range of projects throughout the year. Here is a sampling of clauses addressed in Construction Pak Builders' Risk:

  • Replacement cost valuation paired with a broad covered-property definition
  • Extensive definition of covered property with temporary and permanent works such as cribbing fencing, signs, and scaffolding
  • Broad additional named insured
  • Soft costs that can be specifically defined with tailored limits or an automatic $100,000 limit with option to increase
  • Equipment breakdown coverage along with jurisdictional inspections
  • Automatic green building coverage
  • Permission to occupy coverage

Who Is Builders' Risk Insurance Right For?

  • Specialty trades
  • General contractors

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What Is Builders' Risk vs. Course of Construction Insurance?

Builders' risk insurance protects the builder, owner or developer against covered loss to property during construction. This can include damage to the building under construction as well as the building materials and equipment awaiting installation on-site or for damage while in transit. Builders' risk insurance can also be called course of construction insurance.

Course of construction or builders risk insurance may also be extended to include the costs associated with a delay when covered buildings, equipment or materials are damaged. This type of insurance is typically purchased by the builder or general contractor. The project owner may also be the insured. Joint ventures and limited partnerships may be found.

What Does A Builders' Risk Insurance Policy Cover?

A builders' risk insurance policy generally covers projects under construction against the costs to repair or replace materials at the covered structure for damage due to fire, wind, theft, collapse, breakage, lightning, hail, explosion or vandalism. Depending upon the area where you are building, your builders' risk insurance policy may also include coverage for damage caused by flood or natural disaster.

  • Builders' risk insurance coverage will typically protect:
  • The structure being built or renovated
  • Materials used to build the structure when they are on-site or in transit to the site
  • Equipment awaiting installation or already installed in the building while in the course of construction
  • Reasonable labor costs, overhead and profit for the project
  • Other expenses associated with the project that would have to be paid in the event of a loss, such as building permit fees.

Related Products & Solutions

Installation

Our broad policy provides protection for direct physical loss or damage to materials, as well as supplies and labor costs, for property being installed at job sites.

Equipment Breakdown Coverage

Travelers offers a broad package of specific coverages for nearly every equipment loss scenario.

Construction

Our construction insurance products and services are designed to meet contractors’ unique and challenging exposures.

Contractors' Equipment

Whether your equipment is used on job sites, such as an infrastructure project or stadium construction, or stored during non-use, Travelers can help protect your owned, leased or borrowed equipment.

Insights & Expertise

Fire Hazards in the Workplace

Fire Hazards in the Workplace

When assessing your fire risk, consider these common sources of workplace fire hazards or ignition sources.

Disaster Planning Guide

Disaster Planning Guide

The best time to think about a natural disaster is when there is not one in sight. Learn how we can help you prepare should an unexpected natural disaster strike.

Water Damage White Paper

Water Damage White Paper

Water damage continues to be a leading cause of insurance claims for buildings under construction, as issues with pipe installation and weather continue to be common sources of water-related losses.

Construction Defect

Construction Defect

Emerging technologies, changing standards and a shortage of skilled labor can present increased potential for construction defect exposure.

Related Services

Inland Marine Network

Travelers Inland Marine Network is our patented loss mitigation process that provides a competitive advantage for our customers. Our dedicated specialists in risk mitigation, Claim and special investigations identify and minimize risk to help keep your operations running smoothly. Our risk mitigation specialists can work with you before and throughout even your most highly engineered projects.

Risk Control

We have one of the largest Risk Control departments in the industry, and our scale allows us to apply the right resource at the right time to meet customer needs.

Special Investigations Group

Our skillfully trained investigators help deliver optimal claim outcomes for our customers by actively pursuing avenues of recovery 24 hours a day, 365 days a year for all cargo and other specialty losses.

Claim

Our knowledgeable Claim professionals will respond to your needs with speed, compassion, integrity and professionalism. It's our business to help keep you in business.

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The Travelers Indemnity Company and its property casualty affiliates. One Tower Square, Hartford, CT 06183
This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy or bond issued by Travelers. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy or bond. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy or bond provisions, and any applicable law. Availability of coverage referenced in this document can depend on underwriting qualifications and state regulations.
All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries.