Contractor Insurance

Arkansas Builders Risk Insurance

Arkansas builders risk insurance is an important risk management tool for contractors or property owners looking to build new structures or renovate existing ones. Typically, construction contracts will require the procurement of Arkansas builders risk insurance. Also known as course of construction insurance, this unique type of property insurance pays for damages up to the coverage limit.

Because of the specialized nature of builders risk insurance Arkansas, it is crucial to pick a knowledgeable and experienced broker to ensure you get the policy that suits your needs. This is where we come in. Whether you are building a new residential complex or a building, our friendly and expert risk managers can help you pick the right policy type and limits that suits you best.

Builders Risk Insurance Arkansas

Arkansas builders risk insurance coverage covers hazards to equipment, machinery, building structure, and materials and supplies. However, it won’t cover accidents or injuries on the job site. Most policies will not cover landscaping, land and construction trailers, scaffolding, antennas or satellites, and theft of supplies from the construction site, but you have the option to obtain additional coverage at increased premiums.

What Arkansas Builders Risk Insurance Covers

Your builders risk insurance Arkansas policy can be structured to cover the following:

Structural Damage From the Weather

Arkansas builders risk insurance will cover the cost of damage brought about by non-severe weather events like hail, wind, and rain. For instance, if the freezing rain damages the lumber on the construction site, the carpenter will replace the damage. The carpenter will use his builders risk insurance to cover the cost.

On-Site Theft

Since construction sites can be left unguarded, they become common targets of thieves. Your Arkansas builders risk insurance will compensate you for stolen materials. For example, if a thief breaks into your construction site and steals copper pipes worth thousands of dollars, the plumber can use his builders risk insurance to replace the pipes.


Vandals can set your construction project back by a few months when they destroy fixtures, spray paint on the walls, or break windows. If your construction site is vandalized, your Arkansas builders risk insurance will reimburse you for the damage. For instance, if vandals pull the electrical wiring from your unfinished building, the electrician might be forced to rewire the whole structure. The electrician’s Arkansas builders risk insurance covers the repair cost.

The Importance of Builders Risk Insurance

Builders risk insurance in Arkansas is a critical coverage for those with a financial interest in a property that is being renovated or built. This includes engineers or architects involved in the project, subcontractors and contractors, and building owners. When multiple parties work on a construction project together, the general contractor purchases the builders risk policy and functions as the primary insured.

Cost of Builders Risk Insurance

An Arkansas builders risk insurance will cost around one to four percent of the total construction cost. However, the exclusions of the policy and the type of coverage will also be considered. The cost of your Arkansas builders risk insurance policy will also depend on other factors like the type of project, the coverage limits, and the materials used.

If there is a delay in the project, you are likely to incur other costs like lost sales income, rental income, lost sales income, and real estate taxes. These additional costs can also be covered by your builders risk insurance. It is important that you are aware of the exclusions of your policy before purchasing. If you need help finding the right builders risk insurance policy, our experienced risk managers can provide expert guidance.

We are Your Best Choice for Builders Risk Insurance in Arkansas

If you are looking for the best builders risk insurance in Arkansas, we are your ultimate choice. Our insurance professionals will make sure all your claims are expedited, and all other potential claims are addressed during the construction process. We will also answer all your questions to help ensure the decision-making process is easier for you.

Through the years, we have established our reputation as the best and the most affordable insurance provider. Our impressive 96.4% client retention rate is a clear testament to the exceptional service that has become our trademark. Aside from the top-notch service we provide, our clients also get to enjoy exclusive programs.

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