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Policy options to meet your needs


The Zurich Builders Risk Plan provides coverage up to $10 Million for new residential construction and remodeling projects and up to $50 million for commercial construction.

Some coverage highlights include:
Theft: Equipment to be installed, building and landscaping materials are covered from the moment they are delivered to the job site.

Materials in transit and at temporary locations: Protects job materials as well as office and tool trailers. Also includes coverage for materials that are installed or uninstalled, including landscaping.

Mechanical and electrical breakdown: Covers breakdown of plumbing, air conditioning lines and elevators.

Sewers and drains: Covers backup of sewers and drains with no deductible.

Changes In Laws and ordinances: Provides coverage for losses due to changes in laws or ordinances.

Model homes and unsold dwellings: Optional coverage protects models and their contents and completed homes that have not yet been sold.

Profit: Ability to include your profit in the total estimated completed value.

Larger, commercial jobs Because of the flexibility of our Builders Risk Plan, there is no set size or value limitation. While certain guidelines exist, you are able to insure even the largest and most intricate residential or commercial job.

Flexible options

To make the Builders Risk policy work for you, we offer you a range of options:

  • Choice of single start "one shots", monthly reporting or deposit policy options give you the flexibility to pay for the policy as you build the structure, rather than all at once
  • No deposit or special fee required, which lets you keep more of the money you make
  • No coinsurance penalty on losses under $25,000 if the structure is properly reported
  • Builders Risk Reward Program, which offers a reward of up to $10,000 for information leading to conviction in the case of arson, vandalism or theft at the job site
  • Option to have the policy in the owner's name with the builder as an additional named insured
  • Policies available for Remodelers, including coverage for the existing structure if needed
  • Interest of subcontractors included - there's no need to list subcontractors or sub-subcontractors as additional insureds

This overview is intended as a general description of certain types of insurance and services available through the companies of Zurich. It is not an insurance contract. Your policy is the contract and it specifically and fully describes your coverage.



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