Builders Risk

Builder’s Risk Insurance
Affordable and Personalized

Builder’s risk insurance is specially designed to protect buildings that are under construction from unforeseen circumstances. It automatically includes coverage for things like fire, hail, theft, and vandalism. This type of policy also has the potential to cover things like lost sales and rental income, but you can only get the coverage you need by customizing a policy that’s right for you.

At DJM Insurance, it’s our job to understand your needs so we can determine which kind of builder’s risk insurance coverage you and your business need.

Because we are insurance brokers, we represent consumers just like you—not the insurance companies. Whether you want a policy that includes flood protection or you don’t want to be on the hook to clean up the job site if there is a disaster, we will make sure you get a policy that includes everything you need without paying for unnecessary coverage.

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Why choose DJM for Builder’s Risk Insurance?

DJM Insurance understands that anything can happen on a job site. Contractors shouldn’t have to worry about a mistake or an act of god sinking a project and potentially ruining their business. That’s why we offer a complete list of insurance products—but we don’t stop there! We partner with your business to ensure we offer personalized service and policies that you’ll be hard-pressed to find anywhere else.

Let us show you the DJM difference:

  • No-Cost Quotes
  • Timely, Competitive Quotes
  • Choices From Over 50 Industry Providers
  • Decades of Experience in the Insurance Industry
  • Unlimited Customer Service
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Everything you need to know

Have questions about Builder’s Risk Insurance?
We have answers! If you don’t find what you’re looking for below, reach out to a DJM associate, and we would be happy to answer each and every one of your questions personally.

What is Builder’s Risk Insurance?

Builder's Risk Insurance covers events that can't be planned for, like fire, wind, theft, and vandalism. It may or may not include things like earthquakes, flood, or wind. However, these possibilities can be included in a policy if requested.

Who needs Builder's Risk Insurance?

Another insurance policy may cover the building, which may mean Builder’s Risk Insurance isn’t necessary. However, if it's a new build and no existing insurance policy exists, or if it will be used immediately after it is built, as is the case with rental spaces, a Builder's Risk Policy may be necessary.

How does Builder’s Risk Insurance work?

It should first be determined whether a Builder’s Risk Policy is necessary. If it is, you can work with a DJM specialist to create a policy that covers your project for events that could transpire during the course of construction. If a covered event does transpire, you can file a claim and be reimbursed for damages.

What is the difference between Builder’s Risk Insurance and Course of Construction Insurance?

There is no difference between Builder’s Risk Insurance and Course of Construction Insurance. These two terms are used interchangeably.

Who should be named as the insured on a Builder’s Risk policy?

The policy will most likely include the owner of the building company, the general contractor, and subcontractors who may be affected to ensure every eventuality is covered.

How can we help you?

Let’s talk about your insurance needs. Connect with our team of experts to answer any questions and find the insurance that is right for you.

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Ready for the next step?

Call (800) 763-0698 to talk to one of our agents for more one-on-one service or request a quote.