Contractor Insurance

Arizona Builders Risk Insurance

Builders risk insurance is also known as course of construction insurance. It is a unique kind of property insurance that protects construction sites from catastrophes, vandalism, and other natural disasters. Aside from the structure, Arizona builders risk insurance also covers the materials that are transported to the job site or waiting to be installed.

Builders risk insurance Arizona is the type of insurance most property owners will ask contractors to carry. Arizona builders risk insurance provides comprehensive coverage against any construction-related risks. Builders risk insurance for Arizona is also often required to comply with government regulations and as a condition to meet contractual arrangements.

Builders Risk Insurance Arizona

Arizona builders risk insurance coverage also covers hazards to the equipment, machinery, materials and supplies, and the building structure. However, it is unlikely to cover accidents and injuries on the job site. Most builders risk insurance Arizona will not cover construction trailers, landscaping, and construction materials in transit. However, you have the option to get coverage for excluded items at additional premiums.

While you can easily obtain Arizona builders risk insurance, ensuring you get the right policy type, limits and coverage will require the expertise of our friendly risk managers. Our risk managers have a deep understanding of the industry and the most common construction-related risks. Typically, most coverage is written on an all-risk basis and will apply to properties in transit, at the construction site, and those at off-site storage.

What Arizona Builders Risk Insurance Covers

You can structure your Arizona Builders Risk Insurance to cover the following:


Your Arizona builders risk insurance can cover buildings and structures at the construction premises. This includes foundations, equipment, fixtures, and machinery used to service the building. It also covers building materials and other supplies that are considered a permanent part of the project.

Equipment Breakdown

This will cover any damage to covered property caused by artificially generated current that damages equipment that is covered, explosion of steam boilers, and mechanical breakdown of equipment that are covered.

General Liability

General liability is designed to protect against any legal liability caused by personal injury, property damage, and advertising injury to others.

Ordinance and Law

Ordinance and law covers the cost of repairing or rebuilding damage caused by the enforcement of municipal laws or ordinances that regulate the repair or construction of damaged buildings brought about by an insured loss.

Modular Components

Typically, businesses store important and costly materials and equipment in off-site modular units. With your Arizona builders risk insurance, modular units and components are covered while used as temporary storage or while in transit.


Construction businesses and contractors usually test out any newly installed equipment. In the event of physical loss caused by pneumatic, hydrostatic, electrical, and mechanical testing, Arizona builders risk insurance will cover the cost of the loss.

Valuable Papers and Electronic Data

When doing business, contractors and construction companies will depend on blueprints, schematics, and other paper and electronic documents. Arizona builders risk insurance provides compensation to replace, research, and restore important documents and other data that are lost in the covered risk.


Aside from equipment, labor, and materials, Arizona builders risk insurance also covers profits. This insurance coverage will also provide a pro-rata reimbursement of the profit earned as of the date of the loss.

Identity Restoration

Identity restoration is coverage for business owners who are victims of identity theft.

Why Builders Risk Insurance is Important

If you work in an area prone to severe weather or use materials that are susceptible to damage, investing in Arizona builders risk insurance is a great idea. Ideally, you need to pick a coverage that protects your investment from unforeseen risks. Our seasoned commercial insurance brokers will provide expert guidance so you can pick the amount and type of builders risk coverage that’s right for you.

Cost of Builders Risk Insurance

The average Arizona builders risk insurance policy costs around one to four percent of your total construction cost. However, the type of coverage you are getting and the exclusions of the property will be taken into consideration. When you choose us, we will ensure your claims are expedited, and any possible claims you may have during the construction process are looked into.

We are Your Top Choice for Builders Risk Insurance in Arizona

If you are looking for the best builders risk insurance in Arizona, we are your top choice. Our insurance professionals can help you pick the builders risk insurance that suits the needs of your business best. We will also answer all the questions you have to ensure the decision process is easier for you.

Through the years, we have earned the reputation as the #1 and most affordable insurance provider. Our 96.4% client retention rate speaks volumes about the superb business we have provided through the years. Aside from exceptional coverage, we also provide our valued clients with exclusive programs.

Give us a call at 888-505-9012 or fill out our form, and we will have your free competitive insurance quote ready in just minutes!

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