Contractor Insurance

Indiana Builders Risk Insurance

Builders risk insurance is a policy that covers buildings that are under construction, which includes the equipment and materials used in the project. Builders risk insurance Indiana also protects construction sites from catastrophes, vandalism, and natural disasters. Regardless of whether you are building a new residential complex or business building, our expert and experienced risk managers can care for your Indiana builders risk insurance needs.

It is recommended that custom home builders, general contractors, and property owners invest in builders risk insurance Indiana to protect their personal and business projects under construction. Indiana builders risk insurance can also provide complete coverage against construction-related risks. Indiana builders risk insurance is typically required to meet government regulations or contractual arrangements.

Builders Risk Insurance Indiana

Getting an Indiana builders risk insurance policy is straightforward. However, ensuring you get the policy type, coverage, and limits that suit you best is another story. It requires a thorough understanding of the industry and the associated risks during construction. This is where our friendly risk managers can come in. Most coverage will be written on an all-risk basis. This also applies to properties in transit, at the construction site, or at off-site storage.

What Indiana Builders Risk Insurance Covers

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


Your builders risk insurance for Indiana can cover the buildings and structures at the premises. This includes fixtures, foundations, equipment, and machinery used to service the building. It can also cover building materials and supplies considered a permanent part of the construction project.

Equipment Breakdown

Indiana builders risk insurance can cover any damage on insured property brought about by the explosion of steam boilers, mechanical breakdown of covered equipment, and artificially generated current that damages any covered equipment.

General Liability

This policy can protect you against any legal liabilities caused by personal injury, property damage, and advertising injury to others.

Ordinance and Law

Ordinance and law covers the cost of repairing or rebuilding any 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

Many businesses typically store important and costly materials and equipment in off-site modular units. With Indiana builders risk insurance, modular units and components are covered when used as temporary storage or while in transit.


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

Valuable Papers and Electronic Data

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


Aside from equipment, labor, and material, Indiana builders risk insurance also covers your profits. With this type of insurance coverage, you will get a pro-rata reimbursement of the profit you have earned as of the date of the loss.

Identity Restoration

This insurance coverage protects business owners who are victims of identity theft.

Why Builders Risk Insurance is Important

If you work in an area prone to severe weather or use materials susceptible to damage, an Indiana builders risk insurance would be a worthwhile investment. You must pick a coverage that protects your investment from any unforeseen risks. Our friendly, highly knowledgeable, and seasoned insurance brokers can help you determine the type and amount of builders risk insurance that suits you best.

Cost of Builders Risk Insurance

The average builders risk insurance costs around four percent of your total construction cost. However, the amount can change depending on other key factors like the type of coverage and the property exclusions. Our expert insurance brokers will make sure any expedited claims and other possible claims during the construction process are addressed accordingly.

We are Your Best Choice for Builders Risk Insurance in Indiana

If you are looking for the best builders risk insurance in Indiana, our insurance professionals can help. To help make the decision-making process easier for you, we will happily answer any questions you may have.

We have been regarded as the #1 affordable insurance provider and with good reason. Our 94.4% client retention rate is a clear testament to the peerless service we have provided through the years.

Aside from providing high-quality service, our valued clients also enjoy exclusive programs made for them. Fill out our form or give us a call at 888-505-9012 and get your free competitive insurance quotes in just a few minutes!

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