Contractor Insurance

Wisconsin Builders Risk Insurance

Every new construction project needs protection for the unfinished building in the form of damage claims. Contractors, subcontractors, owners of the property, and other parties with an insurable interest in the project will have to rely on builder’s risk insurance.

A Wisconsin builder’s risk insurance policy is purposely laid out to cover various property damage risks brought about by natural occurrences, human error, and other causes. After all, a building is most vulnerable when it has not yet been finished and the foundations are not that stable. Sometimes referred to as COC or Course of Construction Insurance, it may also cover many other aspects related to the project such as profits or documents.

To take full advantage of your builder’s risk insurance, work with our experienced insurance brokers who will guide you to planning a policy that best suits your needs. Our approachable team of professionals can help answer all your questions because they have extensive knowledge of the construction industry and its associated risks.

Those with financial stakes in the project will need builder’s risk insurance to protect their precious investment. On top of that, this policy is a requirement to comply with contractual agreements and government regulations.

Builders Risk Insurance Wisconsin

A course of construction insurance may also cover other elements of the project that are not necessarily parts of the structure such as equipment, machinery, documents, legal liabilities, and more. You can either include or exclude them from your policy, depending on the importance you put on them.

Speaking of inclusions and exclusions, it is easy to obtain COC insurance on your own. However, it is better to make sure that you get the best out of your policy. To help you with such an endeavor, our skilled insurance agents will provide you with the policy type and coverage that will work best in your favor.

Most risks that are not omitted are usually covered since the policy is written on an all-risk basis. It applies to materials, supplies, and other parts of the construction project, whether they are at the site, in transit, or in off-site storage.

What Wisconsin Builders Risk Insurance Covers

Work with our insurance brokers to help you get the best coverage that includes the following essentials:


During production, structures or buildings may be prone to property damage or physical loss. Include them in your policy to protect these vulnerable and unfinished projects. You may also cover tools, machinery, foundations, fixtures, and other equipment used to build the structures. Materials and supplies are also great additions to the coverage since they are considered fixed parts of the building.

Equipment Breakdown

It is important to cover equipment breakdowns because it gets costly to repair machinery – plus, you will incur losses when operations are interrupted. Artificially-generated currents, explosions of steam boilers, mechanical breakdown, and other equipment-related accidents could lead to damage or physical loss of equipment or structures. So, make sure that you have them covered in your COC insurance.

General Liability

You have claims for most property damage that occurred within the construction premises, except if non-employees caused them. There is also a possibility that these people not related to your project might sue you for personal injury, advertising injury, and other legal liabilities. To protect yourself from legal costs, include this feature in your policy.

Ordinance and Law

When a new municipal ordinance or law regarding buildings is passed, property owners have no choice but to comply. This situation could lead to unexpected renovation or repair of buildings under production. Protect yourself from costs or losses that involve repairing or renovating structures through your builder’s risk insurance.

Modular Components

Modular units are usually kept in off-site storage, where they are prepared before delivering them to the construction site. If these get damaged or destroyed, they may not be covered because they are not inside the production premises. This coverage will include them in your policy and protect them while they are either in transit or in locations outside the work site.


Individuals invested in the project may want to test structures or equipment, but this involves risks of property damage. It could be caused by pneumatic, hydrostatic, electrical, mechanical, and other types of testing. You don’t need to compromise the safety of your properties. So, make sure to include “testing” in your policy. That way, you don’t end up with unexpected costs.

Valuable Papers and Electronic Data

Electronic data, paper documents, blueprints, and schematics ensure that the construction project goes smoothly. You can include them in your insurance policy if these valuable documents get lost or stolen. The coverage will compensate for replacing, researching, and restoring important data.


Suffering losses during production could prove difficult, as you cannot earn profit. This coverage should provide a pro-rata reimbursement of profits you have earned as of the date of the loss.

Identity Restoration

Property owners, contractors, subcontractors, and other individuals with an insurable interest in the construction project may be a target of identity theft. This could prove costly for the individual and the operation. Make sure that all partners are covered, so they can get compensation when trying to recover their identity and associated documents.

Why Builders Risk Insurance is Important

Wisconsin may be America’s Dairyland, but the weather is not to be underestimated. Materials, equipment, and buildings under construction are vulnerable to harsh weather conditions. These elements of the project may also be prone to property damage via human error. Protect your investments from unforeseen risks and losses by choosing the right coverage that best serves you.

Learn about the correct type, limits, and inclusions for your builder’s risk insurance with the help of our team of risk management professionals. They can provide you with the knowledge and experience to guide you to a policy that covers your needs. Let them hear your concerns or questions, and they will be more than happy to answer.

Cost of Builders Risk Insurance

Usually construction insurance costs will amount to about one to four percent of the total cost of the construction project. The overall cost can still increase or decrease depending on other factors such as type, limits, and inclusions. Work with our proficient risk management specialists to ensure you get the correct policy that covers all your needs. We ensure that all claims are expedited and that customer service is our top priority.

We are the Exceptional Choice for Builders Risk Insurance in Wisconsin

You can’t go wrong working with us if you want the best choice for builder’s risk insurance in Wisconsin. Our risk management team can offer you service and guidance to make the decision-making process for your policy easier and hassle-free.

We proudly claim that we are the top choice for builder’s risk insurance because we have a client retention rate of 96.4%. This rating shows why we are the number one affordable contractors insurance provider. It also speaks volumes about the service and guidance we offer our clients. We offer exclusive programs if you decide to become one of our valued clients.

Contact us through our number at 888-505-9012 or fill out our form for a free competitive quote that will be ready in minutes!

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