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. 

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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 

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

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.

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

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

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

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. 

With more than a century of expertise and more than 500 Risk Control consultants, Travelers has the experience and technical proficiency to help businesses manage their risks. 

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.

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.


Insights to help you manage risks at work and on the road

Business person smiling and carrying a red folder.

Find an insurance agent

Get coverage for your unique professional risks.