Contractor Insurance

West Virginia Builders Risk Insurance

Most homebuilders, general contractors, developers, and subcontractors in West Virginia prefer to carry builder’s risk insurance when they are on a construction project. They know the building is vulnerable while it is still unfinished, so they get an insurance policy to protect it from property damage. Also known as Course of Construction Insurance, it can cover other important elements of the project – documents, materials, and profits, to name a few.

There are plenty of parties involved in a construction project where these individuals have insurable interests. So, it makes sense for them to get builder’s risk insurance because their financial shares are at stake.

West Virginia builders risk insurance will protect your properties from financial losses caused by calamities, fires, vandalism, and other costly accidents. Get the most out of your insurance policy by working with our expert risk managers. Let them help you because they have comprehensive knowledge about the construction industry and the risks involved.

The parties involved such as the home builder, the general contractor, and the subcontractors, decide to get builders risk insurance to protect their interests. Additionally, such a policy is required for government regulation and contractual agreement.

Builders Risk Insurance West Virginia

It is easy to get builder’s risk insurance but the challenge is choosing the right coverage, limit, and type. You can rely on our trusted insurance agent who can help you decide which ones to include or not. Your properties are also mostly protected because the coverage is written on an all-risk basis. Builders risk insurance West Virginia applies to all properties at the construction site, in transit, and stored in off-site locations.

What West Virginia Builders Risk Insurance Covers

Make sure that coverage levels are enough by including the following:


Buildings and structures within the construction site are vulnerable to property damage. To protect them, they must be included in the coverage. Equipment, fixtures, foundations, machinery, and tools used to service the buildings are also covered. Lastly, supplies and materials are taken into account as well since they are considered permanent parts of the structure.

Equipment Breakdown

When a piece of equipment breaks down, it will cost you time and money because operations are abruptly interrupted. It may be caused by the explosion of steam boilers, artificially-generated currents, and other accidents. To mitigate financial and opportunity costs, you should include builders risk insurance West Virginia regarding equipment breakdowns.

General Liability

Property damage caused by non-employees may not be covered in your initial policy, even when it happened within the project premises. They may also sue you for advertising injury, personal injury, and other legal liabilities due to whatever motivations they may have. Protect yourself from these by including General Liability in your insurance coverage.

Ordinance and Law

The government will implement new laws and municipal ordinances that force building owners to renovate or repair unfinished buildings. The costs involved are not to be underestimated and may result in huge losses, so include Ordinances and Law in your builders risk insurance in West Virginia.

Modular Components

Because of how modular units are set up and prepared, these materials are usually stored in off-site locations. Since they are kept outside the construction premises, they may not be insured. Include them in your coverage to protect them while they are in off-site storage or in transit to the project site.


Electrical, mechanical, pneumatic, hydrostatic, and other forms of testing may lead to property damage. This procedure is done to test equipment or structures that have been newly installed. Mitigate the risk and associated costs by including it in your West Virginia builders risk insurance.

Valuable Papers and Electronic Data

Construction work relies on blueprints, schematics, electronic data, and paper documents to ensure that the project is going according to plan. Imagine the opportunity and financial losses if these documents are stolen or lost. Fortunately, a builder’s risk policy will compensate for the replacement, research, or restoration of valuable papers and electronic data.


There may be times during the construction period when you suffer too many losses and are unable to earn profits. This coverage will offer a pro-rata reimbursement of profits you have earned as of the date of the loss.

Identity Restoration

Anyone involved in the construction project could become a victim of identity theft. Aside from personal damages, the construction endeavor might suffer as well. Protect yourself and your project partners by including this in your policy.

Why Builders Risk Insurance Is Important

Buildings and associated materials are highly prone to property damage due to harsh weather conditions, accidents, and other factors. This is especially true when the structure is undergoing construction. Invest in builder’s risk insurance to protect yourself from potential liabilities associated with the vulnerability of unfinished buildings.

Know the risks involved with the help of our proficient insurance agents, who are happy to help and hear your concerns about builder risk policy. Work with them to get the most out of your insurance policy.

Cost of Builders Risk Insurance

Builder’s risk insurance will usually cost around one to four percent of the total cost of your construction project. This amount may increase or decrease depending on the exclusions and the type you are getting. Work with us as we will guarantee that all claims are expedited, and we will also address potential claims you may have missed.

We are the Superior Choice for Builders Risk Insurance in West Virginia

Work with us because we are the top choice for builder’s risk insurance in West Virginia. Our team of professional risk managers will help you get the coverage that best meets your needs. We will be glad to answer any questions while making the process easy and smooth.

Many consider us the most affordable insurance provider and have good reason to believe so. After all, we have an impressive client retention rate of 96.4% – clear evidence of the unmatched service we offer. Apart from our excellent coverage and service, you may also get access to exclusive programs if you become one of our valued clients.

Fill out our form or call us at 888-505-9012 for a free review and a competitive quote that will benefit your construction project right away!

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