Builder's Risk Insurance

Flexible Coverage for the Construction Industry

Builders face significant risks from fire, weather, equipment breakdown, theft and other construction exposures. With residential, commercial, hospitality and institutional projects often representing millions in investment, protecting those assets is critical.

The IGP Specialty Builder’s Risk Program helps safeguard against financial losses throughout the construction process — from groundbreaking through certificate of occupancy. Whether you’re building single-family homes or multimillion-dollar office complexes, our program offers tailored risk management solutions designed for the unique needs of the construction industry.

Key Advantages

Comprehensive AAIS coverage forms
Available on a ground-up, primary or quota share basis
Delay in completion coverage for soft costs, rental and business income
Project-specific coverages
Expertise in complex property risks and large-scale projects, including layered placements and multiple carriers
Low minimum premiums, flexible policy periods (3–36 months) and competitive pricing
Fast quote–bind–issue capabilities and responsive claims service
Personalized support from experienced construction insurance professionals

Target Classes

Residential (1–4 family dwelling)
Apartments, condominiums, group homes, and assisted living facilities
Commercial (offices, mercantile, and retail)
Hospitality (hotels and motels)Institutional (schools, hospitals, municipal, and correctional facilities)
Institutional (schools, hospitals, municipal, and correctional facilities)

Coverages

Fire
Theft
Vandalism
Wind, earthquake, and flood
Installation floater
Installed equipment
Permanent fencing and foundations
Debris removal
Fire department services
Trees, shrubs, and plants
Pollution cleanup
Transit
Temporary storage

Program Information

Builder’s Risk Extension Questionnaire

Builder's Risk New Ground-Up Construction Supplemental

Builder's Risk Prior Start Supplemental

Builder’s Risk Program Fact Sheet

Builder’s Risk Program Highlights

Builders' Risk Renovations Supplemental

As an industry leader, IGP Specialty provides coverage for highly complex property risks and large-scale projects, including those requiring multiple carriers and layered coverage. Our program offers low minimum premiums, flexible policy periods of three to 36 months, and highly competitive pricing. Our systems allow our teams to quote, bind, and issue a policy quickly and accurately and our service team provides fast, efficient claims handling. When working with IGP Specialty, you receive personalized service from knowledgeable professionals with decades of insurance expertise in the construction industry.

Please submit loss run requests to [email protected].

U.S. States Available

U.S. States Available:

Provider Type:

Program Administrator

Admitted:

Most Available States

Carriers:

Carrier Ratings:

Our team places coverage with Admitted and Non-Admitted carriers who are A- rated, or higher, according to A.M. Best

Commission:

Varies

Min Premium:

Residential- $300, Commercial- $500, Renovations- $500

Coverages:

Artisan Contractors Insurance Builders Risk Insurance Builders Risk or Course of Construction (COC) Insurance Builders Risk Personal Insurance Commercial Fire Insurance Dwelling Fire Insurance Installation Floaters Insurance Residential Building Renovation Insurance

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Builder's Risk Insurance

Flexible Coverage for the Construction Industry

U.S. States Available