Builder’s Risk Insurance
The Risks Build
Along With the Building
Understanding how to underwrite a building under construction can be overwhelming. The risks continually change with every phase – from the hole in the ground right up until the whole building is completed.
Builder’s risk insurance from The Hartford does more than just cover construction materials. Its protection goes beyond insuring heavy machinery and equipment. It replaces much more than labor costs. The Hartford’s Builder’s Risk Policy actually insures your earned profits which means it’ll help replace your income, as well as your expenses.
All builder’s risk insurance policies are not alike. Few builder’s risk policies define covered property as broadly or as explicitly as The Hartford.
We cover temporary structures, cribbing, falsework, fencing, scaffolding, construction signs, even trees, shrubs, sod and plants. We’ll help pay for debris removal. damage from defective workmanship, materials and design. And rather than value your loss based on actual cash value, we do it based on replacement costs.
Unlike other builder’s risk insurance, we have no cumbersome or punitive coinsurance clauses.
Claim Specialists Who Know Your Business
The construction business is like no other. A delay in settling a claim could mean completing work during winter, or postponing completion until spring. It’s why our specialists are empowered to settle losses, large or small, quickly and fairly. We even have a separate team trained to help you recover from catastrophes like hurricanes, blizzards, severe hail storms, or man-made disasters like black outs or damage from broken water mains.
Build Your Reputation on Ours
As a builder, general contractor, or developer, your reputation is too important to risk. It’s why so many construction companies choose to work with The Hartford. Our reputation for excellence has been exceeding our client’s expectations for more than 200 years.
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 or life and accident insurance company subsidiaries of The Hartford Financial Services Group, Inc.
Loss Control Services
Resources for Agents
Visit The Hartford's Electronic Business Center (EBC) to quote, bind and request policy issuance.