Contractor Insurance

Florida Builders Risk Insurance

Also known as course of construction insurance, builders risk insurance is a specialized type of property insurance that protects property and construction materials and equipment during a renovation or construction project.

Florida builders risk insurance also protects construction sites from catastrophes, vandalism, and natural disasters. If you have a financial interest in a renovated or built property, builders risk insurance in Florida would be a smart investment.

If you are an engineer, architect, contractor, subcontractor, or building owner looking for insurance coverage to protect your personal or business projects under construction, our experienced and competent risk managers would be more than happy to help you.

Florida builders risk insurance provides complete coverage against construction-related risks. Typically, builders risk insurance in Florida will be required to comply with government regulations or meet contractual arrangements.

Builders Risk Insurance Florida

While obtaining a Florida builders risk insurance is easy, ensuring you get the right policy type, coverage, and limits is a different story. You need to have a thorough understanding of the construction industry and the associated risks.

Usually, builders risk insurance in Florida is written on an all-risk basis. It also often applies to properties in transit, at the construction site, and those situated at off-site storages.

What Florida Builders Risk Insurance Covers


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

Equipment Breakdown

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

General Liability

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

Ordinance and Law

Ordinance and law will cover the cost of repairing or rebuilding damage caused by the enforcement of municipal laws or ordinances regulating the repair or construction damage brought about by an insured loss.

Modular Components

Often, businesses store important and costly materials and equipment in off-site modular units. With Florida builders risk insurance, modular units and components will be covered while used as temporary storage or while in transit.


In most cases, construction businesses and contractors will test out newly installed equipment. If a physical loss is caused by electrical, pneumatic, mechanical, or hydrostatic testing, the loss will be covered by Florida builders risk insurance.

Valuable Papers and Electronic Data

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


Florida builders risk insurance covers profits aside from labor, material, and equipment. With this type of insurance coverage, contractors will be given a pro-rata reimbursement of the profit they have earned as of the date of the loss.

Identity Restoration

This coverage is for those business owners that are victims of identity theft.

Why a Builders Risk Insurance is Important

For those who work with materials that are prone to damage or in an area susceptible to severe weather, builders risk insurance is a wise and practical investment. Ideally, you need coverage that protects your investment from any unforeseen risks.

This is where our knowledgeable and seasoned commercial insurance brokers come in. They will help you figure out the type and amount of builders risk coverage that’s right for you.

Cost of Builders Risk Insurance

The average builders risk insurance Florida policy can cost around one to four percent of your total construction cost. However, the amount can vary as it will also factor in the type of coverage you are getting and the exclusions of the property. When you work with us, we will ensure your claims are expedited. We will also address other possible claims during the construction process.

We are Your Top Choice for Builders Risk Insurance in Florida

If you are looking for the best builders risk insurance in Florida, our helpful insurance professionals can help you get the best builders risk insurance for you and your business. To make the decision process easier for you, we will also answer any questions you may have.

We are not rated as the #1 affordable contractors insurance provider for nothing. Our 96.4% client retention rate is a testament to the unmatched service we have provided through the years. Aside from ensuring you get high-quality coverage, you can also enjoy exclusive programs as one of our valued clients.

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

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