--- title: Builders Risk Insurance description: Safeguard your construction project with builders risk insurance. Cover materials, equipment, and structures from damage or loss during construction—essential for contractors and developers. --- [Skip to main content](https://proriskinc.com/builders-risk-insurance/#maincontent) [![Eriq Logo](https://proriskinc.com/hs-fs/hubfs/Eriq%20Logo.png?width=200&height=141&name=Eriq%20Logo.png) ![Eriq Logo](https://proriskinc.com/hs-fs/hubfs/Eriq%20Logo.png?width=200&height=141&name=Eriq%20Logo.png)](https://proriskinc.com/?hsLang=en) Type of Coverage - [Small Business Insurance](https://proriskinc.com/small-business-insurance) - [Cyber Liability Insurance](https://proriskinc.com/cyber-liability-insurance/) - [Trucking Insurance](https://proriskinc.com/pro-trucking-insurance) - [Contractors Insurance](https://proriskinc.com/contractors-insurance) [Who We Serve](https://marketplace.impactplus.com) [Learning Center](https://proriskinc.com/prorisk-insurance-blog?hsLang=en) [About Us](https://marketplace.impactplus.com) [Get a Quote](https://proriskinc.com/get-a-quote?hsLang=en) Search for topics or resources Enter your search below and hit enter or click the search icon. Search for topics or resources Close Search Type of Coverage Type of Coverage [Small Business Insurance](https://proriskinc.com/small-business-insurance?hsLang=en) [Cyber Liability Insurance](https://proriskinc.com/cyber-liability-insurance/?hsLang=en) [Trucking Insurance](https://proriskinc.com/pro-trucking-insurance?hsLang=en) [Contractors Insurance](https://proriskinc.com/contractors-insurance?hsLang=en) [Who We Serve](https://marketplace.impactplus.com) [Learning Center](https://proriskinc.com/prorisk-insurance-blog?hsLang=en) [About Us](https://marketplace.impactplus.com) [Get a Quote](https://proriskinc.com/get-a-quote?hsLang=en) ProRisk Insurance # Builders Risk Insurance Compare rates from the nation’s top companies [Get a Free Quote](https://proriskinc.com/get-a-quote?hsLang=en) Builders Risk Insurance ## What is builder’s risk insurance? Builders risk insurance is a specialized policy that provides financial protection for buildings and structures that are under construction, renovation, or development. It also covers equipment, materials, and temporary structures involved in the project. This coverage can include: ### Construction materials Supplies used in the building process. ### HVAC equipment Heating and air-conditioning units. ### Labor costs and expenses Protection for project-related costs. ### Temporary structures Includes fencing, scaffolding, signage, false work, cribbing, and even landscaping elements like trees and plants. Beyond protecting physical assets, builders risk insurance also helps cover debris removal and losses caused by defective workmanship. These policies typically extend coverage to property owners, general contractors, subcontractors, and lenders financing the project. This type of insurance is essential for safeguarding construction projects against unexpected financial risks, ensuring that work can continue smoothly despite potential setbacks. ## What’s covered under a builder’s risk insurance policy? A builder’s risk insurance policy provides financial protection for construction projects by covering various risks that could lead to delays, damage, or financial loss. Coverage typically includes: ![circle gold](https://proriskinc.com/hs-fs/hubfs/circle%20gold.png?width=512&height=512&name=circle%20gold.png) ### Property & Materials Coverage - **Buildings & Structures** – Covers the building under construction, renovation, or repair. - **Construction Materials** – Protects materials stored on-site, in transit, or temporarily stored off-site. - **Temporary Structures** – Includes scaffolding, fencing, cribbing, false work, construction signs, and even landscaping elements like trees and plants. ![circle gold](https://proriskinc.com/hs-fs/hubfs/circle%20gold.png?width=512&height=512&name=circle%20gold.png) ### Equipment & Labor Costs - **Tools & Equipment** – Covers certain machinery and equipment used in construction. - **HVAC Systems** – Protection for heating, ventilation, and air-conditioning units. - **Labor Costs & Expenses** – Helps reimburse project-related expenses in the event of a covered loss. ![circle gold](https://proriskinc.com/hs-fs/hubfs/circle%20gold.png?width=512&height=512&name=circle%20gold.png) ### Additional Coverages - **Debris Removal** – Covers the cost of clearing and removing debris after a covered event. - **Fire, Theft, & Vandalism** – Protects against losses due to fires, stolen materials, or damage caused by vandalism. - **Defective Workmanship & Materials** – May cover losses related to faulty work or poor-quality materials. - **Weather-Related Damage** – Includes protection against wind, hail, lightning, and other natural disasters (depending on the policy). ![circle gold](https://proriskinc.com/hs-fs/hubfs/circle%20gold.png?width=512&height=512&name=circle%20gold.png) ### Court-appointed individuals (e.g., estate administrators) ## Who’s covered? A builder’s risk insurance policy typically provides coverage for multiple stakeholders involved in the project, including: - Property owners - General contractors - Subcontractors - Lenders and financing institutions This coverage ensures that construction projects remain financially protected against unexpected setbacks, helping builders and property owners mitigate risks and avoid costly disruptions. ProRisk Insurance ## Builders Risk Quotes As an independent insurance agency, we have access to multiple top-rated insurance companies. Our team will take the time to compare rates and find you the best deal! ### **Ready To Get Started?** [Get a Free Quote](https://proriskinc.com/get-a-quote?hsLang=en) Licensed in CA, NV, AZ, and TX ![Licensed Map](https://proriskinc.com/hs-fs/hubfs/Licensed%20Map.webp?width=203&height=128&name=Licensed%20Map.webp)   Office ProRisk Insurance 65 Enterprise Aliso Viejo, CA 92656 (888) 493-8055 Quick Links - [About Us](https://marketplace.impactplus.com) - [Blog](https://proriskinc.com/prorisk-insurance-blog?hsLang=en) - [Business Insurance](https://proriskinc.com/small-business-insurance?hsLang=en) - [Personal Insurance](https://marketplace.impactplus.com) © 2026 ProRisk Insurance All Rights Reserved. [Privacy Policy](https://marketplace.impactplus.com) [Terms & Conditions](https://marketplace.impactplus.com)