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Builder's Risk

Provides coverage for the changing values of a construction project as work progresses including the foundation, structure, materials, cost of labor, and the contractor’s earned profit.

Appropriate for: General contractors and developers of manufacturing facilities; commercial, office, retail, and municipal buildings; museums and libraries.

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Overview

In many ways, a project under construction is more vulnerable to loss than a completed one. And, unlike a finished project, the exposures as well as the financial consequences of loss change as work progresses. Only builder’s risk coverage is designed to meet the unique
needs of property owners and contractors who are engaged in the construction of, or addition to offices, warehouses, industrial buildings, retail stores, roads, bridges, schools, medical facilities, and other structures. 

Here are some of the reasons you’ll want to consider Builder’s Risk from The Hartford.

  • There’s no coinsurance clause
  • Coverage not just for materials and labor, but also for your earned profit up to the time of a covered loss
  • Covered property is broadly and explicitly defined so that you know exactly what’s covered
  • The policy covers construction materials on a replacement cost basis
  • When a covered loss occurs our Green Builder’s Risk endorsement extends coverage to numerous green items and provides additional coverage for green building commissioning and certification expenses, vegetative roofing, debris recycling and indoor air quality restoration

All coverages and services may not be available for all businesses or in all states.  For details on what coverages and services are available to you, contact your agent at The Hartford today.

 

This site outlines in general terms the coverages and services that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc.

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Services

With the Hartford, you also get:

  • Marine specialists who work with your insurance agent or broker to help them properly protect your business
  • Dedicated Ocean Cargo Claim team, with a global network of international claim adjusters who are ready to respond when a loss occurs anywhere in the world.
  • Motor Truck Cargo Liability claim specialists to handle your claim quickly and efficiently and get you back on the road as soon as possible.
  • Claim specialists who understand builder’s risk and property and who deliver prompt and fair claim service when a loss occurs
  • Loss Control specialists who understand renewable energy exposures and who have experience in construction and property

 

This site outlines in general terms the coverages and services that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc.

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The Hartford Difference

After over 200 years of helping businesses achieve what’s ahead, The Hartford has proven our commitment and dedication to doing right by our customers. We stand by our promises. And that’s something that you and your business can count on.

Why Choose The Hartford?

We're just not experienced in our business, we're experienced in helping protect yours.   As a result, we go beyond core coverage to provide specialized options and services unique to your industry, line of business and even size.   When you choose The Hartford, you’ll have a broad range of policies, endorsements and add-ons to tailor a coverage plan that speaks to your needs.   We are committed to providing superior customer service to support your business, every step of the way.

From critical business coverages and efficient claims handling to risk management, The Hartford will be by your side.

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