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Break Ground Confidently with Builders Risk Insurance

Whether you’re building a custom home or a multimillion-dollar retail complex, new construction projects are exposed to a host of risks that can cause delays and strain your budget. Course of construction projects aren’t typically covered by permanent property insurance because it is designed for the completed product only. This means there’s a critical gap between the groundbreaking and final touches.

The good news: That gap is exactly what the Builders Risk Plan insured by Zurich is designed to protect — your materials, equipment, fixtures, as well as the structure in progress should those items sustain damage from a covered cause of loss during the construction of your new home or commercial building.

Protect your residential or commercial course of construction project with a robust builders risk insurance policy from the first hammered nail to the final coat of paint — and even when materials are in transit. 

Project Examples

  • New home construction insurance: Residential projects like one-to-four-family homes, custom homes, modular homes and tract homes
  • New commercial construction insurance: Commercial projects valued up to $75 million, including apartment complexes (5+ units), retail locations, sports arenas, restaurants, office buildings, cell towers, schools, hospitals and parks
  • And more!

Eligible Customers

Nearly any party with an insurable interest in the structure can purchase builders risk insurance, including:

  • Owners
  • Contractors
  • House flippers
  • Investment companies
  • Development companies
  • Retail companies
  • School districts

Product Highlights

  • Insured by Zurich, an “A” rated carrier known for its positive customer claims handling
  • Residential and commercial projects valued up to $75 million
  • Secure coverage in the name of the owner, contractor or other entity
  • Option to purchase higher sub-limits and additional coverage
  • 12-month policy term, with the option to renew should your project be delayed
  • Minimum premium starting at $375, in most states
  • Premium payment installment options for policies more that cost $500 or more
  • Reward program offering up to $25,000 for information leading to the arrest and conviction of a job site crime
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