Contractor Insurance

Washington Builders Risk Insurance

During the construction of a new building, the unfinished structure and its materials are prone to damage. To protect yourself from incurring losses due to property damage, get Washington builders risk insurance.

Also referred to as course of construction insurance, it insures buildings under construction from property damage. Depending on the policy, it can cover various elements of a building project such as documents and materials.

Every construction project involves several parties with an insurable interest or financial stake. To protect themselves from losses, they all agree to get builder’s risk insurance.

Protect your building and other interests against physical or financial losses due to natural disasters, catastrophes, vandalism, accidents, and other unfavorable circumstances with construction insurance. To get the best out of a builder’s risk policy, consult our friendly insurance brokers. Armed with extensive knowledge of the construction industry, they will help you evaluate inclusions and anticipate potential risks associated with the project.

General contractors, subcontractors, building owners, and other parties with an insurable interest in the building obtain construction insurance to ensure the project is properly protected. It is also required in contractual arrangements and government regulations in most states.

Builders Risk Insurance Washington

Getting builder’s risk insurance is usually straightforward. The issue comes when it is time to select the limits, type, coverage, and other considerations because it can get overwhelming and confusing. This is where our insurance agents come in – they can guide you to a construction policy that works for you because they have a thorough understanding of the industry and the risks involved.

Most of the coverage is written on an all-risk basis. Enjoy the peace of mind knowing that your properties are protected, whether at the construction site, in transit, or in off-site storage.

What Washington Builders Risk Insurance Covers

Work with our risk managers to get you the best coverage that includes the following:


Builders risk insurance in Washington covers new buildings and structures inside the construction site. Also included are equipment, fixtures, foundations, machinery, and other tools used in servicing the building. Additionally, materials and supplies are included in the coverage because they are considered permanent parts of the building.

Equipment Breakdown

Property damage due to artificially-generated currents, the explosion of steam boilers, mechanical equipment breakdown, and other similar mishaps can be covered in your insurance policy. Make sure to include it in your coverage to mitigate costs and risks associated with equipment.

General Liability

When third parties get into an accident within the construction premises of your project, they may sue you for personal injury. Similarly, other individuals may accuse you of advertising injury, property damage, and other legal liabilities. Whatever the case, make sure that you are prepared for these unfavorable circumstances by including general liability in your insurance.

Ordinance and Law

When the authorities are implementing new municipal ordinances and laws regarding buildings, owners have no choice but to comply. They will incur losses due to renovation or repair costs while implementing such regulations. Protect your investment by including ordinances in your Washington builders risk insurance.

Modular Components

Expensive materials and modular units may not be covered by your basic insurance, especially because these are usually stored in off-site locations. Make sure these supplies are insured to protect them while they are in transit or kept in temporary storage.


Physical loss or property damage may occur during electrical, hydrostatic, mechanical, pneumatic, and other forms of testing. Building owners and contractors usually do this to test newly installed equipment. To mitigate property damage and costs, make sure to include testing in your Washington builders risk insurance.

Valuable Papers and Electronic Data

Construction projects need documentation such as schematics, blueprints, paper documents, and electronic data. It would be a challenge to recover all data if they got lost or stolen. Builder’s risk insurance offers compensation to replace, research, and restore such valuable information.


When you end up with losses instead of profits, builders risk insurance in Washington provides a pro-rata reimbursement of profits you have earned as of the date of the loss.

Identity Restoration

Any business owner part of the construction project could be a victim of identity theft. Have solid protection from criminal acts by including identity restoration in your policy.

Why Builders Risk Insurance Is Important

When a building is under construction, the structure and materials are highly vulnerable to property damage. Protect yourself from such liability costs by investing in builders’ risk insurance. You deserve the best coverage so work with our experienced risk managers who can help you protect your investments from unforeseen risks. They can guide you through the process of picking the right type and inclusions to take into account.

Cost of Builders Risk Insurance

The cost for builders risk insurance Washington is equal to one to four percent of the total project cost of your new building. The total amount may vary depending on the exclusions, type, limit, and other factors. We’ll help you secure a cost-effective plan with maximum coverage.

We are the Leading Choice for Builders Risk Insurance in Washington

For the best builders risk insurance in Washington, choose to work with us. Our insurance brokers can help you get the right coverage so you can reap all the benefits. They are here to answer any questions you may have regarding your COC insurance.

We are number one at what we do and the most affordable construction insurance provider. That is because we have a client retention rate of 96.4%, which shows why the customer service we deliver is superior. If you become one of our valued clients, you will enjoy plenty of benefits and exclusive programs.

Contact us about builder’s risk insurance by filling out our form or calling us at 888-505-9012 now for a free review and quote to protect your investments!

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