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Course of Construction Insurance

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Course of Construction Insurance

Also called builders risk insurance, course of construction coverage is a type of property insurance that covers a building during construction. This type of policy is important during renovations and the building of additions as well as throughout original construction of a building. Depending on the type of building, the ownership and other variables, course of construction insurance may be carried by the building contractor or by the property owner.

Purchasing Builders Risk Insurance

Construction sites are open to different risks than buildings not under construction. For this reason, damage at a construction site may not be covered by existing property insurance or other liability policies. Course of construction coverage should be in place before building materials or construction workers arrive at the site and should extend to the completion of the building project. You can get an online quote here or call for more details.

Course of Construction Coverage Options

As with most insurance policies, builders risk insurance generally has standard coverage as well as standard exclusions. Individuals or businesses purchasing a policy can opt to extend coverage as desired, and the experts at McCoy-Holliston Insurance will be happy to help you determine what features your policy should include. Most policies will cover damage and loss due to

  • Fire
  • Explosion
  • Lightning
  • Hail
  • Theft
  • Vandalism

Damage due to negligence or poorly executed plans is generally not covered. Other standard exclusions include

  • Flood
  • Earthquakes
  • Coastal winds
  • Employee theft
  • Government interference
  • Mechanical malfunction

Coverage can often be affordably purchased to include exclusions such as flood, earthquake damage and coastal winds. Your agent can discuss these options with you and may also recommend additional coverage for

  • Property in transit
  • Property in storage
  • Scaffolding
  • Debris removal
  • Valuable papers such as blueprints

To learn more about course of construction insurance from McCoy-Holliston Insurance, call us today. We’ll be happy to answer your questions and help you find an affordable policy that meets your needs.

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