Builder's Risk

Builder’s risk insurance is also known as course of construction insurance. It is a specialized type of property insurance that covers a building as well as the materials and supplies to complete the project.

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Builder’s risk insurance helps protect construction projects from property damage due to:

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• Fire
• Lightning
• Hail
• Explosions
• Theft
• Vandalism
• Acts of God, like hurricanes

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We have multiple top rated carriers who offer builder’s risk coverage according to your needs. We have markets that offer a true builder’s risk policy for ground up construction as well as partial construction that can be written on a homeowners policy form and modified to regular coverage at the end of your project without having to re-write a policy. As most builder’s risk policies don’t include liability coverage, Melissa Ems Insurance Agency Advisors can also quote the best rates and options to cover your project needs.

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Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.