Understand your coverage.
Protecting your project from the ground up.
Builders risk policies cover the structure itself as well as materials on-site or in transit waiting to be installed. Coverage typically applies to damage from fire, wind, lightning, hail, theft, vandalism, and explosion. Policies are usually written in three, six, or twelve-month terms and can often be extended if the project runs long. The coverage limit should reflect the total completed value of the structure — materials and labor, excluding land.
Understand what's not covered
Common exclusions to understand.
Most builders risk policies exclude earthquake, flood, employee theft, and damage resulting from faulty design, workmanship, or materials. Weather damage to property left in the open is also commonly excluded. Understanding what isn't covered is just as important as knowing what is — and it's a conversation worth having before a project breaks ground, not after something goes wrong.
Built for more than just job sites
From commercial builds to farm construction.
Builders risk coverage isn't only for commercial contractors. New construction and major renovations on farm and ranch operations carry the same exposure — grain storage facilities, equipment buildings, processing structures, and more. We work with both commercial and ag clients to make sure coverage is in place and sized correctly for the project at hand.
Work with Graybeal Group
Starting a project? Let's talk coverage first.
The right time to secure builders risk coverage is before construction begins. Let's walk through your project, make sure the limits are right, and get your build protected from day one.
Our recent news
Latest news & articles.
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