Protect your project from the ground up.
Construction doesn’t pause for surprises — but one uninsured loss can bring progress to a halt. Weather, theft, fire, or vandalism can erase months of work and thousands in materials overnight.
Builder’s Risk Insurance protects your in-progress construction, materials, and equipment from physical loss or damage during the build. Whether you’re a developer, general contractor, or property owner, this coverage keeps your project — and your budget — on track.
Why It Matters
Every build is a moving target. Materials shift, subcontractors rotate, and exposures change as the project evolves. That’s why builder’s risk coverage needs to be flexible and designed for your specific site, scope, and timeline — not a generic “one-size” policy.
At Horizon Insurance Services, we partner with builders and developers across Ohio to help protect:
- Residential and commercial new builds
- Remodels, renovations, and additions
- Materials stored on-site or in transit
- Temporary structures and scaffolding
- Fixtures and equipment awaiting installation
Common Losses Builder’s Risk Covers
- Fire, lightning, or explosion
- Theft and vandalism
- Wind, hail, or other severe weather
- Vehicle impact or collapse
- Damage during transit or storage
What’s Not Automatically Covered
Builder’s risk typically excludes liability for injuries, employee tools, or faulty workmanship — those risks fall under your general liability, workers compensation, or contractor’s equipment policies. That’s why we review your entire insurance program to make sure every exposure is covered.
Ready to Protect Your Build?
Let’s make sure your project is protected from day one — from the first shovel in the ground to the final inspection.
✅ Review your project exposures
✅ Identify coverage gaps
✅ Compare multiple carriers
✅ Get local, accessible support when you need it
Serving Columbus, Dublin, Worthington, Grandview, Short North, Clintonville, Hilliard, Upper Arlington, New Albany — plus Cleveland, Cincinnati, Dayton, Toledo, and beyond.
Builder’s Risk Insurance FAQs
Who needs builder’s risk insurance?
Anyone with a financial stake in a construction project — including developers, general contractors, and property owners — should carry builder’s risk insurance. It protects against losses that can happen before the project is complete and permanent coverage (like property insurance) takes effect.
When does builder’s risk coverage start and end?
Coverage typically begins once materials are delivered to the job site and ends when the project is completed, occupied, or accepted by the owner. We help you time coverage precisely so you’re not left exposed at any stage.
Does builder’s risk cover theft or vandalism?
Yes — theft of building materials and damage from vandalism are among the most common claims. Coverage can extend to materials stored off-site or in transit, depending on your policy.
What’s not covered under a builder’s risk policy?
Builder’s risk doesn’t cover faulty design, poor workmanship, employee theft, or wear and tear. For complete protection, we coordinate it with your general liability, workers comp, and contractor’s equipment policies.
Can renovations or remodels be covered?
Absolutely. Even small renovation projects can benefit from builder’s risk coverage — especially when significant materials, labor, or timelines are involved.
How much does builder’s risk insurance cost?
Costs vary based on project type, location, duration, and total value. We compare carriers to help you balance cost and coverage — so you’re protected without overpaying.
