Contractor Insurance

Texas Builders Risk Insurance

Builders risk insurance is an insurance policy that covers buildings under construction and the materials and equipment used in the project. Texas builders risk insurance protects construction sites from vandalism, catastrophes, and natural disasters. Whether you are building a business building or a new residential complex, our seasoned and competent risk managers can take care of you and your insurance needs.

Property owners, custom home builders, and general contractors often search for insurance coverage to protect their business or personal projects under construction. Texas builders risk insurance can provide comprehensive coverage against construction-related risks. Builders risk insurance in Texas is also typically required as a condition to meet contractual arrangements or to comply with government regulations.

Builders Risk Insurance Texas

While a Texas builders risk insurance is easy to obtain, ensuring you get the right limits, policy type, and coverage requires a deeper understanding of the industry and the associated risks during the construction. Often, coverage is written on an all risks basis and often applies to properties at the construction site, in transit, and those located at off-site storages.

What Texas Builders Risk Insurance Covers

Your builders risk insurance in Texas policy can be structured to cover the following:


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

Equipment Breakdown

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

General Liability

This protects against legal liability caused by property damage, advertising injury to others, property damage, and personal injury.

Ordinance and Law

This covers the cost of rebuilding or repairing damage caused by enforcement of ordinances or municipal laws regulating the construction or repair of damaged buildings brought about by an insured loss.

Modular Components

Businesses usually store expensive and important equipment and materials in off-site modular units. With Texas builders risk insurance, components and modular units are covered while in transit or used as temporary storage.


Often, contractors and construction businesses test out newly installed equipment. In case of physical loss caused by mechanical, pneumatic, electrical, and hydrostatic testing, builders risk insurance in Texas will cover the cost of the loss.

Valuable Papers and Electronic Data

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


Texas builders risk insurance can cover profits aside from material, equipment, and labor. With this insurance coverage, contractors can get a pro-rata reimbursement of the profit earned as of the date of the loss.

Identity Restoration

This coverage is available for business owners who become victims of identity theft.

The Importance of Builders Risk Insurance

If you work in an area susceptible to severe weather or materials prone to damage, builders risk insurance would be a worthwhile investment. It is crucial that you choose coverage that will protect your investment from any unforeseen risks. Our experienced and knowledgeable commercial insurance brokers can help you determine the amount and type of builders risk coverage that suits you best.

Builders Risk Insurance Cost

The average policy will cost around one to four percent of the total construction cost. However, it will also depend on the exclusions of the property and the type of coverage you are getting. When you work with us, you will make sure your claims are expedited and we will help you solve any other possible claims during the construction process.

We are Your Best Choice for Builders Risk Insurance in Texas

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

We are not considered as the #1 affordable contractors insurance provider for nothing. Our 96.4% client retention rate speaks volumes about the exceptional service we have provided through the years. Aside from providing high-quality coverage, we also offer exclusive programs to our valued clients.

Give us a call at 888-505-9012 or fill out our form, and we will have your free competitive insurance quote ready in just minutes!

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