Contractor Insurance

Colorado Builders Risk Insurance

Builders risk insurance is a special type of property insurance designed to protect contractors, construction companies, and subcontractors from losses caused by damage to buildings that are still in progress.

While exact coverages and limitations can vary from one provider to another, a comprehensive builders risk insurance may also offer coverage for vandalism and theft. Other coverages can include floods, earthquakes, windstorms, and extra expenses.

If you have an insurable interest in the property, a Colorado builders risk insurance can protect your interests. Also known as course of construction insurance, builders risk insurance in Colorado is also often required to meet contractual arrangements.

Aside from the structure itself, Colorado builders risk insurance can also cover the materials on-site that are transported to the job site or waiting to be installed. Most contractors will obtain this unique kind of property insurance.

If you are a custom home builder, property owner, or general contractor and would like to get Colorado builders risk insurance, our expert and experienced risk managers would be happy to help.

Builders Risk Insurance Colorado

While obtaining a Colorado builders risk insurance is easy, ensuring you get the right limits, policy type, and coverage will require an expert understanding of the industry and its associated risks.

Our competent and seasoned risk managers can easily help you with this. Usually, coverage is written on an all risks basis. This also applies to properties at the construction site, those in transit, and those in off-site storage.

What Colorado Builders Risk Insurance Covers

Your builders risk insurance in Colorado can be structured to cover the following:


Your Colorado builders risk insurance can cover the structures found at the premises aside from the building itself. It can also include equipment, machinery, foundations, and fixtures used to service the building. Builders risk insurance in Colorado can also cover the supplies and building materials that are a permanent part of the project.

Equipment Breakdown

This includes damage to the covered property due to the explosion of steam boilers, mechanical breakdown of covered equipment, and any artificially generated current causing damage to the covered equipment.

General Liability

This will protect you against any legal liability brought about by advertising injury to others, property damage, and personal injury.

Ordinance and Law

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

Modular Components

Often, businesses will keep expensive and important equipment and materials in off-site modular units. A Colorado builders risk insurance can ensure that components and modular units are covered while in transit or used as temporary storage.


Construction businesses and contractors typically test out newly installed equipment. If there is physical loss due to mechanical, hydrostatic, electrical, and pneumatic testing, builders risk insurance Colorado will cover the cost of the loss.

Valuable Papers and Electronic Data

Construction companies and contractors usually rely on schematics, blueprints, and other electronic and paper documents when doing business. Builders risk insurance Colorado provides compensation to replace, restore, and research important data and electronic documents lost in the covered risk.


Aside from materials, labor, and equipment, Colorado builders risk insurance can also cover profits. This coverage ensures that you will get a pro-rata reimbursement of the profit you have earned as of the date of the loss.

Identity Restoration

This covers business owners who are victims of identity theft.

The Importance of Builders Risk Insurance

If the materials you are using are prone to damage or the area you are working in is susceptible to severe weather, a Colorado builders risk insurance would be a wise investment. Ideally, you need to pick coverage that will protect your investment from any unforeseen risks. Our seasoned and knowledgeable commercial insurance brokers can help you decide on the amount and type of coverage that’s best for you.

Cost of Builders Risk Insurance

On average, builders risk insurance policy can cost around one to four percent of your total construction cost. However, you also need to factor in the exclusions of the property and the type of coverage you are getting.

Fortunately, when you work with us, we will make sure your claims are expedited. We will also gladly address other claims you are entitled to during the construction process.

We are Your Best Choice for Builders Risk Insurance in Colorado

Are you looking for the best builders risk insurance in Colorado? We are your best choice! Our seasoned and friendly insurance professionals can help you obtain the right builders risk insurance that will suit the needs of your business best. We will also answer all your insurance-related questions to help make the decision process easy for you.

We have been hailed as the #1 and most affordable insurance provider for many years now. Our impressive 96.4% client retention rate is solid proof of the peerless service we provide. Aside from exceptional service, we also offer exclusive programs to our valued clients.

Get in touch with us at 888-505-9012 or fill out our form, and you will get your free competitive insurance quote in just minutes!

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