Builders Risk Insurance
Insurance designed to cover damage to property under construction, materials used in the course of construction and delay in completion
Why choose Zurich for your Builders Risk Insurance?
Choosing an insurance provider for your construction project is a critical decision. With Zurich, you gain access to a global network of risk professionals who are dedicated to helping you succeed. Our team has industry knowledge and technical experience to support even the most complex construction projects, from skyscrapers to infrastructure.
We differentiate ourselves through our collaborative approach to risk management. Our risk engineers can work with you to identify potential hazards and develop strategies to mitigate them before they become problems. This proactive approach can help reduce the likelihood of claims and keep your project moving forward.
Our financial strength and stability mean you can have confidence in our ability to be there when you need us most. We have a long history of paying claims and helping our customers recover from unexpected events. When you work with Zurich, you are not just buying a policy; you are gaining a collaborator who is invested in your success.
For large, complex projects, we offer sophisticated solutions that can be tailored to your specific needs. Our underwriters are empowered to make decisions and can work with you to create a program that provides the protection you need.
Related industry and insurance
Builders Risk solutions for every project
Zurich supports a wide range of construction clients—general building, infrastructure, energy, healthcare and government. Our solutions include:
- Commercial & residential Builders Risk Insurance
- Coverage for new construction, renovations or installations
- Master Builders Risk programs for project portfolios (reporting or project-specific placement)
- Project Builders Risk programs for single projects of $50 million or larger
- Delay in completion coverage including loss of gross earnings, loss of rental income and soft costs
- Natural catastrophe coverage within high hazard zones
- Flexible deductibles and customized sublimits
- Coverage for both owners and contractors
- Margin clauses to help protect against value changes from change orders
- Protection for hard costs, materials, labor, management fees, contractor profit, overhead and temporary structures
Insurance solutions for Builders Risk
Ready to help protect your next project
Risk Engineering
Through Zurich Resilience Solutions, we provide specialized insights and tools to support our customers with solutions addressing traditional and evolving risks – above and beyond insurance.
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Claims Services
Zurich Claims specialists are strategically deployed in the U.S. and around the globe to help customers mitigate and respond to loss events, and to gain insights into becoming more resilient against future losses.
Learn moreFAQs
Builders Risk Insurance, often referred to as "course of construction" insurance, is a specialized form of property insurance designed to help protect buildings and structures while they are under construction or renovation. At its core, it helps safeguard your investment from the ground up, providing a crucial layer of financial protection against unforeseen events that can occur on a job site.
From the moment materials are delivered to the final stages of completion, your project is exposed to a variety of risks. Zurich offers broad insurance protection to help you build with confidence. With decades of experience in the construction industry, we understand the unique challenges you face and can help you tailor a solution that meets the specific needs of your project.
Whether you are a property owner, developer, or contractor, having the right insurance in place is essential for a successful build. This type of policy is a key component of a comprehensive risk management strategy, helping to keep your project on track and on budget.
Builders Risk Insurance is designed to cover damage to property under construction, materials used in the course of construction and delay in completion.
We work with you to understand the full scope of your project and recommend coverage options that align with your risk tolerance and budget. Our goal is to provide you with a policy that is as unique as the project you are building.
It is important to note that a standard Builders Risk policy does not typically cover liability for accidents or injuries on the job site. For this, you would need a separate General Liability policy.
