Builder’s Risk Insurance That Covers What You’re Building, Before It’s Built
From the first pour to the final inspection, construction comes with risks. We help you cover them.
Construction is complicated. Timelines shift, equipment breaks, weather rolls in, and in Florida, it rolls in fast. Whether you’re building a new structure or renovating an existing one, every phase of the project carries financial exposure. That’s where builder’s risk insurance steps in.
At Survant Insurance Partners, we help contractors, property owners, and developers secure builder’s risk policies that actually match the scope and pace of their projects. We speak the language of construction, and we bring clarity to the coverage, so you can build with confidence, knowing you’re protected from more than just bad weather.
What Is Builder’s Risk Insurance?
Builder’s risk insurance, also known as “course of construction” insurance, protects buildings and materials during a construction or renovation project. It’s a short-term policy that covers the property while it’s under construction and ends once the project is complete.
It typically includes protection for:
- The structure itself (under construction)
- On-site materials, fixtures, and equipment
- Temporary structures (like scaffolding or fencing)
- Certain soft costs (like delayed permits or architect fees due to a loss)
- Theft, vandalism, fire, wind, hail, and other named perils
This isn’t a luxury, it’s essential. Without it, a major loss mid-project can derail budgets, timelines, and business relationships.
Who Needs Builder’s Risk Coverage?
Anyone with a financial interest in a construction project can, and often should, carry builder’s risk coverage:
- General Contractors
- Property Owners & Developers
- Home Builders & Remodelers
- Commercial Real Estate Firms
- House Flippers & Investment Groups
In many cases, builder’s risk is required by lenders or contract terms before work can begin.
Whether you’re managing a custom home build, a commercial office expansion, or a residential gut renovation, we’ll help make sure the project, and everyone’s investment, is protected.
What Builder’s Risk Doesn’t Cover
It’s just as important to know what isn’t covered. A standard builder’s risk policy typically excludes:
- Worker injuries (covered under workers’ comp)
- Liability to third parties (covered under general liability)
- Equipment breakdowns or contractor tools
- Faulty workmanship or design errors
- Earthquake or flood (can often be added by endorsement)
This is why it’s important to coordinate your builder’s risk policy with other forms of coverage, and why having a broker who understands the full picture matters.
Why It Matters in Florida
Florida is no stranger to risk. Between hurricanes, torrential rain, theft at job sites, and supply chain delays, building here requires more than great plans, it requires smart protection.
We regularly help clients prepare for:
- Hurricane season exposure on unfinished structures
- Theft or vandalism of materials and tools left on site
- Water damage from unexpected storms
- Delays and added costs from insured events
With Survant, you don’t just get a policy, you get a partner who knows what local builders and developers face every day.
Why Builders Choose Survant
Construction isn’t one-size-fits-all, and neither is the insurance that protects it. At Survant Insurance Partners, we work with Florida’s top-rated carriers to offer:
✔️ Customized policies based on your project’s scope, location, and timeline
✔️ Clear coverage terms, so you know exactly what’s protected
✔️ Help coordinating coverage with contractors and lenders
✔️ Flexibility for mid-project changes and extensions
✔️ Support from day one to final walkthrough
We make it easy to get coverage in place without delaying your schedule, and we’re there for you if something happens mid-build.
Build Confidently, We’ve Got You Covered
If you’re planning a construction project or already have one underway, let’s make sure it’s protected from the risks you can’t always plan for.
Call us or request a free Builder’s Risk Insurance quote.
You’ve put time, money, and trust into what you’re building. We’ll help make sure nothing gets in the way of seeing it through.
