Contractor Insurance

California Builders Risk Insurance

If you are an owner or a contractor renovating an existing structure or building a new one, it would be wise to get a builders risk insurance. Also known as course of construction insurance, builders risk insurance California will protect you against damage or loss to your building during renovation or construction.

Since California builders risk insurance is not a standard policy, coverage can differ from one provider to another. While some policies can cover materials used in the construction, temporary structures, and documents and data, you need to also factor in the provider and the coverage you are getting.

When building a facility, several parties have an insurable interest in the property. An insurable interest means you have a financial stake in the property. Builders risk insurance California protects your project from natural disasters, catastrophes, and vandalism.

Whether you are building a new residential complex or a building, our seasoned and competent risk managers can help you. They can also provide expert guidance so you will obtain the builders risk insurance that suits your needs best.

Property owners, custom home builders, and general contractors should get builders risk insurance to ensure personal projects under construction are protected accordingly. Typically, California builders risk insurance is considered a condition to comply with government regulations or meet contractual arrangements.

Builders Risk Insurance California

It is easy to obtain California builders risk insurance. However, the challenging part is picking the right type, limits, and coverage. This is where we come in. Our friendly and helpful risk managers have a thorough understanding of the industry and its associated risks.

Typically, coverage is written on an all risks basis. This also applies to properties that are in transit, those that are located in off-site storage, and those that are at the construction site.

What California Builders Risk Insurance Covers

You can structure your California builders risk insurance to cover the following:


Builders risk insurance California can cover your building and the structures on the premises. This can include fixtures, equipment, foundations, and machinery used to service the building or facility. It can also cover the building materials and supplies considered a fixed part of the project.

Equipment Breakdown

This includes damage to covered property due to the explosion of steam boilers, mechanical breakdown, and artificially generated content that causes damage to the equipment covered.

General Liability

General liability protects against legal liabilities caused by property damage, advertising injury to others, and personal injury.

Ordinance and Law

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

Modular Components

Typically, businesses keep important and expensive materials and equipment in off-site modular units. California builders risk insurance covers modular units and components used as temporary storage or while in transit.


Contractors or construction businesses usually test out newly installed equipment. If there is physical loss due to hydrostatic, pneumatic, mechanical, and electrical testing, builders risk insurance California can cover the cost of the loss.


Aside from labor, material, and equipment, California builders risk insurance can also cover profits. The insurance coverage will ensure the contractor will get a pro-rata reimbursement of the profit made as of the date of the loss.

Identity Restoration

Identity restoration will cover business owners who are victims of identity theft.

Why Builders Risk Insurance is Important

If you use materials that are prone to damage or in an area susceptible to severe weather, California builders risk insurance would be a smart investment. It is also critical to pick a coverage that protects your investment from any unforeseen risks. Our experienced and helpful commercial insurance brokers would be more than happy to help you pick the type and amount of builders risk insurance that suits your needs best.

Cost of Builders Risk Insurance

The average cost of builders risk insurance is around one to four percent of the total construction cost. However, you also need to consider the type of coverage you are getting and the exclusions of the property. When you work with us, we will make sure all your claims are expedited, and any other possible claims are addressed during the construction process.

We Are Your Top Choice For Builders Risk Insurance in California

If you are looking for the right builders risk insurance in California, we are your ultimate choice! Our expert insurance professionals can help you obtain the most suitable builders risk insurance coverage for you and your business. We will also be happy to answer any questions to help make the decision-making process easier for you.

We are considered to be the most affordable insurance provider and with good reason. Our impressive 96.4% client retention rate is a clear testament to the peerless service we provide. Apart from top-notch coverage, we also offer exclusive programs to our valued clients.

Fill out the form or give us a call at 888-505-9012 and get your free competitive insurance quote in just minutes!

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