Protect Your Construction Investment
Comprehensive builders risk insurance coverage for construction projects throughout New Jersey. Safeguard your investment from groundbreaking to grand opening.
Construction projects face unique risks that standard property insurance doesn't cover. From the moment materials arrive on site until the final certificate of occupancy, builders risk insurance protects your investment against damage, theft, and unexpected delays.\n\nWhether you're building a single-family home, renovating a commercial property, or managing a large development project, our builders risk policies provide essential protection. We work with contractors, developers, and property owners to ensure comprehensive coverage that matches the scope and timeline of each project.
Comprehensive protection throughout the construction process
Coverage for the structure being built, including materials and supplies on-site
Protection for construction equipment, tools, and machinery at the job site
Coverage for additional expenses like loan interest, real estate taxes, and advertising costs due to delays
Protection for building materials while being transported to the construction site
Coverage for losses due to theft of materials or vandalism at the construction site
Protection against damage from storms, wind, hail, and other weather-related perils
Expert guidance for construction insurance needs
Tailored policies that match your construction timeline and specific project risks.
We understand construction projects and can help structure coverage for any size job.
Coverage that starts when you break ground and converts to permanent property insurance upon completion.
From small renovations to major developments
Ground-up construction of homes, commercial buildings, and multi-unit developments.
Major renovations, additions, and remodeling projects for existing structures.
Installation of major equipment, infrastructure improvements, and specialty construction.
Get a builders risk insurance quote tailored to your specific project needs.
Builders risk coverage should be in place before any materials are delivered to the site or construction begins. The policy can be purchased by the property owner, general contractor, or subcontractor depending on contractual requirements.
Typically excludes employee injuries (covered by workers' comp), auto accidents, professional errors, earthquakes (unless added), and normal wear and tear. Faulty workmanship may also be excluded.
Policies are typically written for the expected duration of construction, usually 3 to 12 months. Extensions are available if the project takes longer than anticipated. Coverage ends when construction is complete or the property is occupied.
All parties with a financial interest should be named, including the property owner, general contractor, subcontractors, and lenders. This ensures everyone is protected and helps avoid disputes.