Builders Risk Insurance

Coverage for what you're building, while you're building it.

Also called course of construction insurance, builders risk coverage protects a structure while it's being built or significantly renovated. From the day construction starts to the day it's complete, your investment is exposed — and standard property insurance won't cover it. At Graybeal, we make sure that gap is closed before work begins.

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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.

Large industrial construction site with heavy equipment and materials during development process
construction worker engineer architect team at work on major co

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.

Steel frame commercial building under construction for expanding local business in urban area.
Young black race man with blueprint stading near glass building. Talking by phone.

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.

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