Contractor Insurance

South Carolina Builders Risk Insurance

During the construction or renovation of any building, several entities with insurable interests are involved including the owner of the building, the general contractors, and the subcontractors. These parties all have insurable interests, which means they own a share or investment in the facility.

When you have insurable interest on a certain property but something unfavorable happens to it, you could incur a huge financial loss. It is wise to invest in South Carolina builders risk insurance to protect yourself from unnecessary stress and loss.

Builders risk insurance in South Carolina is your defense against property damages such as catastrophes, natural disasters, vandalism, and many more. If you feel overwhelmed or confused about which insurance coverage to go for, our team of experienced risk managers can guide you in picking the best policy that fits your needs.

Getting property insurance is also inevitable since it is one of the many requirements for contractual arrangements and for complying with government regulations.

Obtaining South Carolina builders risk insurance is considered a wise investment as it is required to meet contractual arrangements and to comply with government regulations.

Builders Risk Insurance South Carolina

While getting a South Carolina builders risk policy is easy, picking the right option may feel like a daunting task. You need to consider the right coverage, policy type, and the limits of the property insurance.

Luckily, you can rely on our industry-expert agents to help you get the best option. Take comfort in the knowledge that it will be on an all-risk basis. Additionally, the coverage also applies to a broad range of properties depending on the location – the construction site, in transit, and at off-site storage locations.

What South Carolina Builders Risk Insurance Covers

Get the best comprehensive coverage by including the following:


The property insurance covers all buildings and structures within the construction premises. It also includes equipment, fixtures, foundations, and machinery – all are used to service the main building. Materials, supplies, and other parts of the construction project are also covered.

Equipment Breakdown

The explosion of steam boilers, mechanical breakdown, and artificially generated current may lead to equipment or property damage. Fortunately, all these mishaps and more are covered by your builders risk insurance.

General Liability

This type of liability is designed to protect you from legal liabilities caused by personal injury, advertising injury, and property damage.

Ordinance and Law

Sometimes, strict implementation of municipal laws and ordinances leads to the reconstruction or repair of buildings. Costs incurred during renovation brought by ordinance and law are considered under the property coverage.

Modular Components

Some materials and equipment are stored as off-site modular units in remote locations, and they are not covered by general insurance. Make sure to include these units in your coverage so that they will stay protected while they are in remote storage locations or transit.


Tests for newly installed equipment are something that every business must go through. However, these may lead to damage caused by hydrostatic, mechanical, electrical, or pneumatic factors. Make sure that your property insurance covers these types of testing.

Valuable Papers and Electronic Data

Companies need to store blueprints, schematics, blueprints, and other types of electronic or paper documents as safely as possible. Builders risk insurance will make sure to protect this valuable data. Any costs incurred while attempting to restore, replace, or research the documents will be covered by the insurance.


Protect your profits by including them in your South Carolina builders risk insurance. It will provide you with a pro-rata reimbursement of profits in the event of a loss.

Identity Restoration

Victims of identity theft can rely on their builders risk policy to cover the costs for the restoration of stolen identities and relevant documents.

The Importance of Builders Risk Insurance

Some materials are not durable under the South Carolina sun, so it is wise to invest in builders risk insurance. Pick the type of coverage that foresees risks and protects your investment only our team of accomplished professionals can provide. Work with them so that you can arrive at the best option that covers everything you need.

Cost of Builders Risk Insurance

Builders risk insurance in South Carolina usually costs around one to four percent of the total construction cost. Other factors may decrease or increase the cost, such as exclusions of property or the type of coverage. Work with us and we guarantee your claims are expedited. On top of that, we make sure to cover other potential claims you may have missed.

We are Your Leading Choice for Builders Risk Insurance in South Carolina

If you are looking for the best builders risk insurance in South Carolina, we are on top of the list. Work with our insurance experts for they will provide guidance and are ready to answer whatever your inquiries are.

We earned our reputation for being the top insurance provider with your finances in mind. We have a 96.4% client retention rate which shows how our excellent customer service is. Aside from comprehensive coverage, you will also enjoy exclusive programs offered only to our valued clients.

Fill out our form or call us at 888-505-9012 if you want an insurance quote that is ready for you in just a matter of minutes!

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We have experienced insurance professionals available to help you get the contractors insurance policy that is best for you and your business.

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