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Builders Risk Insurance

Builders Risk Insurance

Heritage Risk Advisors provides customizable builders risk policies to property owners as well as building contractors. Also known as course of construction coverage, this type of insurance protects against the unique risks faced during construction projects. We offer policies that cover new construction as well as policies specifically for renovations and remodels.

The Right Coverage

What you need from course of construction insurance will depend on several factors. Our insurance experts write policies for both building contractors and property owners. These two types of policies can be further customized to address the type of construction being done, the number of workers on a project, the total cost of materials and more.

As an independent insurance agency, Heritage Risk Advisors takes care to get to know our customers. We’ll take time to learn about your construction projects and make recommendations based on your specific situation.

Customizable Options

In order to provide great service affordably, our risk-management experts will work with you to determine the amount of builders risk coverage you need. Options available through our network of providers include variable deductibles as well as a range of limits. We’ll help you assess your risks and make recommendations based on this information.

Standard Coverage

Most builders risk policies cover standard risks such as

  • Fire
  • Explosion
  • Hail
  • Lightning
  • Vandalism
  • Theft

Standard exclusions generally include any damage due to poor planning and negligence as well as

  • Earthquake
  • Flood
  • Employee dishonesty
  • Mechanical malfunction
  • Government interference

However, Heritage Risk Advisors also provides solutions to help you navigate risks related to these standard exclusions.

Special Policy Options

We have a number of specialized coverage options for builders and remodelers. In addition to optional coverage such as earthquake and flood insurance, we offer

  • A trades and tracking program
  • Installation floaters
  • Inland marine coverage
  • Coverage for items in storage
  • Debris removal coverage
  • Protection for blueprints and other valuable papers

For more information, contact Heritage Risk Advisors today. We look forward to helping you as you build for the future.