Construction projects involve significant time, materials, and financial investment, and unexpected events can put everything at risk. Builders risk insurance helps protect your project while it’s under construction, covering materials, structures, and certain delays. At Maple City Insurance Services, we help contractors, developers, and property owners secure builders risk coverage tailored to the size, scope, and timeline of their project.

What Builders Risk Insurance Covers

Buildings Under Construction
Covers the structure being built or renovated from damage caused by fire, storms, vandalism, and other covered risks.

Materials & Supplies
Protection for building materials and supplies on-site, in transit, or stored off-site.

Equipment & Fixtures
Covers installed fixtures, machinery, and equipment that are part of the project.

Soft Costs (Optional)
Helps cover expenses related to delays, such as additional interest, permits, or architectural fees.

Who Needs Builders Risk Insurance?

Builders risk insurance is essential for:

• General contractors and subcontractors

• Property owners and developers

• Home builders and remodelers

• Commercial construction projects

If you have a financial interest in a construction project, this coverage is important.

Why Builders Risk Insurance Matters

Construction sites are exposed to a wide range of risks, from weather damage to theft or vandalism. Without proper coverage, these events can lead to costly delays and financial loss.

Builders risk insurance helps ensure your project stays protected from start to finish.

Optional Coverage Enhancements

• Coverage for theft of materials

• Ordinance or law coverage

• Debris removal

• Coverage for temporary structures (scaffolding, fencing)

• Extended coverage for project delays