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Builder’s Risk Insurance

As Your Building Goes
Up, So Does Your Risk

As a building is constructed, the risk of loss changes with every phase– from the hole in the ground right up until the building is completed.

Builder’s risk insurance from The Hartford does more than just cover your construction materials. Its protection goes beyond damage to the building’s heating and air conditioning equipment. And, it can cover more than your labor costs and expenses. The Hartford’s builder’s risk policy can insure your earned profits, helping to replace your income.

Built Differently

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

A delay in settling a claim could mean completing work during winter, postponing completion until spring or increasing the cost of the project. Our claims specialists understand this and are empowered to settle losses, large or small, quickly and fairly. We’re here to help you recover from common losses such as fire, to natural disasters such as hurricanes, blizzards and tornados.

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

Loss Control Services Video

Our Loss Control Team is committed to helping you prevent and control loss exposure.

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Learn how Loss Control can help your business

Resources for Agents

Visit The Hartford's Electronic Business Center® (EBC®) to access Quote Marine® to quote and bind your smaller inland and ocean risks.

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Learn more about QuoteMarine (PDF)