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Builders Risk Insurance

Builders Risk Insurance

Builders Risk Insurance covers buildings under construction, as well as all of the equipment and materials used in the project. Whether you are building a new residential complex or a business building, our expert risk managers at the WE Insure Agency are here to help. We know your property is also an important source of income and we are dedicated to helping you find a policy that works best for you and your budget.

What are the coverages?

Your insurance policy can be structured to cover the following:

Building Coverage

Helps cover the building and structures at the described premises including storage buildings, garages, fences, retaining walls, swimming pools, both completed additions and additions under construction. Building coverage also includes owned personal property used to service or maintain the premises and the building.


To get this coverage, you may need to have a gated job site.

General Liability

Helps cover the insured against legal liability caused by property damage, personal injury, bodily injury, and advertising injury to others.

Perils of Nature and Man-made Disasters

Fires, hurricanes, blizzards, lightning, severe hail storms, black outs, broken water mains.


How Long Does the Insurance Last?

The coverage will end when the building is completed or occupied.
Normally the insurance lasts three, six or twelve months, you can extend the term at least once if the building time takes longer than expected.

How Much Does it Cost?

An average policy will cost around one to three percent of the total construction budget, depending on the insurance and coverage of the company. Our independent agents can help you sort through the different coverage options and find you builder’s insurance quotes.

Tailoring Policies to Your Needs and Budget.

We work hard to shop various policies on your behalf, seeking the best options at the most competitive prices. We also review all potential discounts you may be eligible for to help lower your rates. This review is ongoing, and we’ll remain proactive on your account. So, whether you needs are, personal or business, turn to us for all of your insurance needs.

Learn more by calling us at 239-313-2045 or by emailing our insurance agency.

We look forward to hearing from you!

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