Contractor Insurance

Georgia Builders Risk Insurance

When a new facility is built, multiple parties have an ‘insurable interest’ in the property. There’s the general contractor, the building owner, and any of the sub-contractors. An individual with an insurable interest has a financial stake in the building.

Someone with an insurable interest will also endure a financial loss if something happens to the property at the expense of materials, supplies, potential profits, and supplies incurred due to any loss covered by the policy. A contractor or owner will obtain a Georgia builders risk insurance to protect those interests.

Georgia builders risk insurance protects a construction site from catastrophes, natural disasters, and vandalism. Whether you are building a new residential complex or a business structure, our experienced and competent risk managers will help you and guide you with your insurance needs.

Custom home builders, general contractors, and property owners obtain insurance coverage to protect their personal or business projects under construction. Georgia builders risk insurance is usually required as a condition to comply with government regulations or meet contractual arrangements.

Builders Risk Insurance Georgia

Georgia builders risk insurance can be obtained easily. However, ensuring you get the right policy type, limits, and coverage will require a thorough understanding of the associated risks and the industry.

This is where our competent risk managers can help. Typically, coverage is written on an all risks basis. It often also applies to properties in transit, at the construction site, and those situated in off-site storages.

What Georgia Builders Risk Insurance Covers

A builders risk insurance Georgia can be structured to cover the following:


Your Georgia builders risk insurance can cover the buildings and structures found at the premises. This can include fixtures, equipment, foundations, and machinery used to service the building. It can also cover the building materials and supplies considered a fixed part of the project.

Equipment Breakdown

This includes any damage to covered property caused by mechanical breakdown of covered equipment, the explosion of steam boilers, and any artificially generated current that causes damage to covered equipment.

General Liability

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

Ordinance and Law

Ordinance and law cover 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 store important and costly materials and equipment in off-site modular units. With Georgia builders risk insurance, modular units and components are covered while used as temporary storage or while in transit.


Contractors and construction businesses often test out their newly installed equipment. In the event of a physical loss caused by electrical, mechanical, hydrostatic, and pneumatic testing, builders risk insurance Georgia will cover the cost of the loss.

Valuable Papers and Electronic Data

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


Georgia builders risk insurance can also cover profits apart from labor, material, and equipment. This insurance coverage can also ensure contractors get 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 who are victims of identity theft.

Why Builders Risk Insurance is Important

If the area you are working in is prone to severe weather or the materials you are using are susceptible to damage, builders risk insurance would be a smart investment. It is important to pick a coverage that protects your investment from unforeseen risks. Our knowledgeable and experienced commercial insurance brokers can guide you on the type and amount of builders risk coverage that best suits you.

Cost of Builders Risk Insurance

The average builders risk insurance policy costs around one to four percent of the total construction cost. However, it would also depend on 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 Ultimate Choice for Builders Risk Insurance in Georgia

If you are looking for the best builders risk insurance in Georgia, we are your top choice! Our insurance professionals will help you obtain the right builders risk insurance that suits you and your business. We will also answer any questions to ensure the decision process is easier for you.

We are considered the #1 and most affordable insurance provider, and with good reason. Our staggering 96.4% client retention rate is a clear testament to the exceptional service we have provided. Apart from top-notch coverage, we also have exclusive programs for our valued clients.

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

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