Contractor Insurance

Idaho Builders Risk Insurance

Idaho builders risk insurance is a unique property insurance that provides protection for buildings under construction or renovation. Also known as course of construction insurance, builders risk insurance is not a standard policy, so coverage can differ from one provider to another.

When a facility or building is under construction or renovation, multiple parties often have an ‘insurable interest’ in the property. We have the general contractor, building owner, and subcontractors. If you have an ‘insurable interest’ in a building, it means you have a financial stake in the property.

Idaho builders risk insurance protects your construction site from catastrophes, vandalism, and natural disasters. Some builders risk insurance policies for Idaho also cover materials used in the construction, temporary structures, and data and documents. This will depend on the provider you have chosen and the coverage you are getting.

Whether you are building a new residential complex or a new building, our experienced and competent risk managers can provide expert guidance when it comes to your insurance needs. Typically, Idaho builders risk insurance is also considered a condition to comply with government regulations or meet contractual arrangements.

Builders Risk Insurance Idaho

Getting Idaho builders risk insurance is easy. The challenge lies in picking the policy, limit, and coverage that will suit your needs. Understandably, picking the right Idaho builders risk insurance policy will require in-depth knowledge of the industry and the associated construction-related risks.

This is where our friendly and helpful risk managers come in. Typically, Idaho builders risk insurance coverage is written on an all-risk basis. Often, this applies to properties in transit, those based in off-site storage, and properties on the construction site.

What Idaho Builders Risk Insurance Covers

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


Idaho builders risk insurance can cover structures and buildings in the construction premises. This includes machinery, equipment, fixtures, and foundations that are used in the building or facility. It also includes building materials and the supplies that are considered a part of the project.

Equipment Breakdown

Equipment breakdown covers damage to covered property caused by mechanical breakdown, explosion of steam boilers, or artificially generated current.

General Liability

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

Ordinance and Law

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

Modular Components

Usually, businesses will store important and expensive materials in off-site modular units. With your Idaho builders risk insurance, modular units and their components are protected when used as temporary storage or while in transit.


Construction businesses and contractors often test out newly installed equipment. In the event of physical loss caused by pneumatic, mechanical, hydrostatic, and electrical testing, your Idaho builders risk insurance covers the cost of the loss.

Valuable Papers and Electronic Data

Most contractors or construction companies rely on blueprints, schematics, and other paper and electronic documents when conducting business. Idaho builders risk insurance provides compensation to research, replace, and restore important documents and electronic data lost in the covered risk.


Apart from labor, material, and equipment, Idaho builders risk insurance can also cover profits. With this type of insurance coverage, you can get a pro-rata reimbursement of the profit you have earned as of the date of the loss.

Identity Restoration

Identity restoration coverage is available for business owners who are victims of identity theft.

Why Builders Risk Insurance is Important

If you are working with materials that are prone to damage or in a place that’s susceptible to severe weather, Idaho builders risk insurance would be a smart investment. The importance of picking a coverage that protects your investment from unforeseen risks cannot be overstated. Fortunately, our knowledgeable and experienced risk managers can help you figure out the type of builders risk coverage that will suit you best.

Cost of Builders Risk Insurance

The average builders risk insurance policy costs around one to four percent of your total construction cost. However, you need to also factor in the type of coverage you are getting and the exclusions of the property. When you work with us, our experts will ensure your claims are expedited, and other possible claims are addressed during the construction process.

We are Your Top Choice for Builders Risk Insurance in Idaho

If you are looking for builders risk insurance in Idaho, we are your best choice. Our insurance professionals will provide expert guidance to help make the decision-making process easier for you. They will also answer any of the questions you may have.

We are not considered the best and the most affordable contractors insurance for nothing. Our impressive 96.4% client retention rate is solid proof of the superb service we have provided through the years.

Aside from exceptional coverage, we also offer exclusive programs to our valued clients. Fill out our form or call us at 888-505-9012 and get your competitive and free insurance quote in just minutes!

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