Blueprint with a pencil and hammer.

Builder’s Risk Insurance

A woman in a red dress is standing on a beach looking at the ocean.

Coverage Designed for Buildings Under Construction

Before the first nail is hammered, your project needs protection. Builder’s risk insurance safeguards structures under construction from losses caused by fire, theft, vandalism, storms, and other unexpected events. We help builders, contractors, and developers across Brunswick County secure course-of-construction coverage that protects materials, labor, and progress from day one through completion.

What Builder’s Risk Covers

Core Protections During Construction

  • Structure & Materials

    Covers damage to the building itself, including framing, roofing, and installed materials while construction is in progress.

  • Materials in Transit & On-Site

    Protects building materials stored on-site or in transit to the job location from theft or damage.

  • Fire, Theft & Vandalism

    Provides coverage for common job-site risks that can cause major financial setbacks if uninsured.

  • Wind & Storm Damage

    Critical for coastal projects where wind and weather exposure are real concerns throughout the build.

  • Temporary Structures

    Can include coverage for scaffolding, temporary fencing, and other structures supporting the project.

Guidance You Can Trust

Builders, Contractors & Developers

We regularly help clients meet lender insurance requirements while keeping coverage cost-effective and compliant. Builder’s risk insurance is commonly required for:


  • Custom home builders and residential contractors
  • Commercial builders and developers
  • Property owners acting as owner-builders
  • Renovation or expansion projects
  • Lender-financed construction projects
Understanding the Basics

Course-of-Construction Coverage Explained

Builder’s risk insurance is typically a short-term policy written for the duration of the project. Coverage usually begins when construction starts and ends once the building is completed or occupied. We help you determine the correct policy limits, project timeline, and extensions if delays occur — ensuring your coverage stays in force until the job is truly finished.

Let’s Protect Your Project.