Builders Risk

Protect your construction projects from unexpected damages. We'll help you get all the coverage you need in the most affordable way.

​What is Builders Risk?

Any construction project could face significant exposure to loss if the insurable materials, supplies, fixtures, or equipment they have during a project are not protected. Builders' Risk Insurance can help protect your property and equipment during construction or renovation.

Builders' risk insurance protects projects against numerous kinds of situations, such as:
  • Fire
  • Lightning
  • Hail
  • Explosions
  • Theft
  • Vandalism
  • Acts of God such as Hurricanes

Builders’ Risk Coverages​

A builders' risk insurance policy is unique for every construction project. It helps protect construction sites, materials, and equipment from certain property damages. However, every project is different. Therefore, each one could customize its' policy to fit its needs.

Additional coverages may include the following:
  • Delay in completion, including gross profits, soft costs, and rental income
  • Contract penalties
  • Crane re-erection expense
  • Off-premises service interruption
  • Reward payments
  • Spare construction materials
  • Prevention of access – ingress or egress
  • Flood, named storm, and earthquake
  • Emergency property protection expense
  • Design professional fees
  • Debris removal

Builders' Risk Insurance Exclusions

While it's true that builders' risk policies can be customized, be aware that there are also some exclusions. These typically include earthquakes and floods. You can, however, get extensions to help protect projects/materials vulnerable to these risks.

Here are other exclusions from a builder's risk insurance policy:
  • Wear and tear
  • Acts of terrorism and war
  • Employee theft
  • Rust and corrosion
  • Mechanical breakdowns
  • Damage due to faulty design
  • Planning
  • Workmanship and materials


Contact Arena Insurance Brokers, Inc. to get the fitting Builders' Risk Policy coverage for your business. Get a quick online quote here or call us at 913-363-1300.
(913) 363-1300
Westwood Office:
4705 Mission Road
Westwood, KS 66205​

Overland Park Office:
8011 College Blvd.,
Suite 100
Overland Park, KS 66210​​
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