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construction worker with toolbeltBuilding a home or a commercial property is a huge investment, in both time and money. This process can take months to complete, during which the project is exposed to the elements and other sources of damage. But what could possibly happen to the worksite?


Covers the most common project liabilities

Weather and fire are the biggest sources of damage to ongoing building projects, costing tens of billions of dollars in repairs each year. Severe storms and hail can not only damage the materials and unfinished structure, but also the construction crew’s tools and equipment. Depending on the terms of your contract, you may responsible for damages to fencing, scaffolding, heavy machinery and temporary structures that are owned by the construction company.

Additionally, worksites can fall victim to broken water mains, blackouts and other events that may delay construction. In these cases, the cost of labor can increase quickly as the project is prolonged. Materials and unfinished structures are also subject to theft and vandalism.


You can protect your personal finances and your unfinished project from these setbacks by purchasing builder’s risk insurance at the start of construction. This coverage, also known as course of construction insurance, protects ongoing projects and the equipment used to build them during the entire construction process by paying for many of the damages listed above. Coverage can typically be purchased in increments of three, six or twelve months, with the option to extend coverage if a project falls behind schedule.


Builder’s risk insurance is a smart consideration for any construction project, but especially for those located in areas that are prone to bad weather or theft. Call your independent agent for more information on this type of policy, along with a free quote.

Trust the experts at Alliance Insurance Group to handle all your insurance needs. Our agents are knowledgeable, highly trained, and accessible. Fill out the short form below for more information or an insurance quote.

Posted 5:20 AM

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