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Builders Risk
During construction or renovation, your project faces risks that can derail timelines and budgets. Builders Risk Insurance (sometimes called “Course of Construction Insurance”) protects your building, materials, and equipment from damage or loss while your project is underway.
Total Insurance Group, LLC works with contractors, developers, and property owners across Cape Coral, Fort Myers, and Southwest Florida to secure builders risk coverage that fits the scope and duration of their projects. This policy can protect against losses from fire, theft, vandalism, lightning, and certain weather-related events.
Coverage can extend to materials on-site, in transit, or temporarily stored elsewhere, keeping your investment protected at every stage. Whether you’re constructing a new commercial building or remodeling an existing property, builders risk coverage provides critical protection until the project is complete.
Our experienced agents will walk you through your coverage options and policy terms, ensuring that you have the right limits in place to safeguard your project from start to finish.
Frequently Asked Questions
Who buys Builders Risk Insurance, the contractor or the property owner?
Either party can purchase it. Often, it depends on who has the most financial stake in the project.
What’s covered with Builder's Risk Insurance?
Buildings under construction, materials, fixtures, and sometimes temporary structures. It covers risks like theft, fire, and vandalism.
When does the policy end?
Coverage typically ends when the project is completed, occupied, or accepted by the owner.