Commercial Insurance
Builders Risk Insurance
Coverage for a building and its materials while it's under construction or major renovation.
Builders risk insurance (sometimes called course-of-construction coverage) protects a structure while it's being built or renovated, along with the materials, fixtures, and equipment waiting to become part of it. A standard property policy won't cover a project that isn't finished yet, and that's exactly the gap builders risk fills.
Whether you're a contractor, a developer, or an owner building your next home or commercial space, we size the coverage to your project's value and timeline, then shop it across carriers who understand Arkansas construction.
What Builders Risk Insurance typically covers
The structure under construction
Covers the building itself against losses like fire, wind, hail, lightning, and vandalism while it's being built.
Materials & supplies
Protects lumber, fixtures, and building materials on site, in transit, or in temporary storage before they're installed.
Soft costs
Can cover added expenses from a covered delay, like lost rent, extended loan interest, permits, and design fees.
Equipment & tools
Coverage options for the equipment and tools that keep your job moving forward.
Built for Arkansas job sites
Open framing and stored materials are especially exposed to the hail and wind our storms bring. We make sure your project is covered through every phase, from the foundation to the final inspection.
Related coverage
Common questions
Who needs builders risk insurance?
Anyone with a financial interest in a construction or renovation project: contractors, developers, and property owners. Lenders almost always require it before they'll fund a build.
How long does the coverage last?
It's written for the length of the project, typically 3, 6, or 12 months, and can often be extended if the build runs long. Once construction is complete, you move to a standard property policy.
What doesn't it cover?
Common exclusions or separate policies apply to: normal wear and tear and faulty workmanship/design, employee injuries (that's workers' compensation), liability to others (that's general liability), contractors' equipment and employee tools (contractors equipment/tools coverage), land and land value, flood/earthquake (often excluded unless added), and testing of certain equipment unless endorsed.
Ready to protect what matters with the right builders risk coverage?
Tell us what you need covered and we'll compare carriers to find your best fit.