Builders Risk - Commercial

For commercial building projects up to $75 million, policies may be written with policy terms. This program also offers Business Income, Waiver of Coinsurance and other coverages.

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Business owners: Contact your insurance agent or broker

Insurance agents

Call a specialist now 847-762-7178

Appetite

Commercial new construction, renovation or installation projects of any size and value. Examples of eligible commercial projects include but are not limited to the following:

  • Agricultural facilities
  • Cell towers
  • Educational and healthcare institutions
  • Hotels
  • Multi-story residential or office structures
  • Municipal buildings
  • Retail stores/grocery stores
  • Solar panels
  • Stadiums and arenas (large-scale installations)
  • Warehouses
  • Water and sewer pipelines (no oil or gas lines)
  • Water treatment plants

Ineligible risks

  • Registered historical structures
  • Tunnels
  • Dams
  • Structures built over water

Coverages offered

Coverage options include but are not limited to:

  • Earth movement
  • Flood
  • Ordinance and Law
  • Soft Costs
  • Business Income and Extra Expense
  • Waiver of Coinsurance
  • Testing of Building Systems
  • Other coverages for commercial structures

Geography

  • Nationwide

  • No premium commitment is required.
  • Register online for instant access.
  • Complete online application or submit paper application to Underwriting team.
     

  • Projects up to $75 million are eligible, subject to underwriting approval.

  • Quick reliable turnaround (1-3 days), including rush and quote indications
  • Direct access to a dedicated team of 50+ specialists
  • Premium payment installment options available on most policies
  • Ability to write in all protection classes
  • Ability to increase additional coverage limits
  • Pro-rata cancellations
  • No co-insurance

  • Admitted in all states

  • Policy options include single structure, reporting form or blanket (deposit premium) with flexible terms and extensions when required.

  • Builders are required to have at least three years of general contracting experience.

FAQs

Commercial Builders Risk insurance helps protect commercial construction projects against physical loss or damage during construction, renovation or installation. Coverage is designed for projects with values up to $75 million and can be tailored to the specific needs of each project.

Zurich’s Commercial Builders Risk supports a wide range of eligible projects, including:

  • Commercial new construction, renovation, or installation projects
  • Agricultural facilities
  • Cell towers
  • Educational and healthcare institutions
  • Hotels and hospitality properties
  • Multi story residential or office buildings
  • Municipal buildings
  • Retail and grocery stores
  • Stadiums and arenas
  • Warehouses
  • Water and sewer pipelines (excluding oil or gas lines)
  • Water treatment plants

Coverage is available nationwide and designed to support projects of varying size and scope.

Zurich’s Commercial Builders Risk does not provide coverage for:

  • Registered historical structures, and projects that require historical society review or approval
  • Tunnels
  • Dams
  • Structures built over water
  • Manufacturing including testing and equipment

Project eligibility is evaluated individually to ensure alignment with underwriting guidelines.

Zurich’s Commercial Builders Risk policies may include coverage options such as:

  • Earth movement
  • Flood
  • Ordinance or Law
  • Soft costs
  • Business Income and Extra Expense
  • Waiver of Coinsurance
  • Testing of building systems

Yes. Zurich’s Commercial Builders Risk program may include Business Income and Extra Expense coverage, helping protect against financial loss caused by covered delays or interruptions during construction.

A Waiver of Coinsurance allows insureds to avoid potential penalties if reported project values differ from actual values at the time of loss. Zurich. offers this option within Commercial Builders Risk coverage to help provide greater financial certainty during construction.

Zurich’s Commercial Builders Risk policies are written on admitted paper.

Zurich’s Commercial Builders Risk coverage is available nationwide, supporting commercial construction projects across the United States.

Zurich's Commercial Builders Risk insurance is well suited for:

  • Commercial property owners
  • Developers
  • General contractors
  • Construction managers

This coverage is ideal for organizations seeking project specific protection during construction, renovation or installation.