Builders Risk Insurance in Delaware & Maryland

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Protect Your Project Before It’s Even Finished

Coverage for Construction Sites, Materials & In-Progress Builds

Construction projects face plenty of risks before the doors ever open—storms, theft, vandalism, fire, and more. Builders risk insurance is a specialized form of property coverage designed to protect buildings and materials while they’re under construction or renovation. Whether you’re building a home on the Eastern Shore or developing a commercial space in Dover, this coverage can protect your financial investment during every stage of the project. We work with contractors, developers, property owners, and builders across Delaware and Maryland to put the right policy in place—fast.

What Does Builders Risk Insurance Cover?

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Structures Under Construction

Covers buildings, homes, and additions while they’re being built—whether from the ground up or during major renovations.

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Materials & Supplies

Covers materials stored on-site, in transit, or temporarily off-site if they’re intended for the insured project.

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Equipment & Temporary Structures

Includes protection for scaffolding, fencing, signage, and even construction trailers related to the project.

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Theft, Vandalism & Weather Events

 Covers common jobsite losses like stolen tools, wind damage, or fire—subject to the terms of the policy.

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Soft Costs Add-On

Optional coverage for lost income or expenses from delays, such as permit fees, interest on loans, and architect fees.

Building something from the ground up?

We’ll help you protect your project from the moment the first material hits the site to the day it’s complete.

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Construction-Specific Coverage Backed by Local Know-How

Delays, damages, and disasters happen. Builders risk insurance gives you a financial buffer when something interrupts your timeline. Our team understands the nuances of construction coverage and helps ensure you meet lender, permit, or contract requirements without overspending.

Benefits of having insurance with us:

  • Fast quotes for new construction or renovation projects
  • Help estimating total completed value for proper coverage
  • Flexible terms to match your project timeline
  • Guidance on insuring subcontractor and equipment exposures
  • Local support that understands coastal weather risks
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Covering the Gaps While You Build

Builders Risk Insurance FAQs

  • Who should buy builders risk insurance—the contractor or the property owner?

    It depends on the project and the contract. We’ll review your responsibilities and help you decide who should carry the policy.

  • When does a builders risk policy start and end?

    Coverage typically begins when construction starts and ends when the project is completed, occupied, or transferred—whichever comes first.

  • Are subcontractors covered by my builders risk policy?

    Generally, builders risk only covers the named insured. We can help coordinate coverage for subcontractors or ensure their insurance meets your requirements.

  • Does it cover delays or lost income?

    Basic policies don’t, but we can add “soft costs” coverage for certain losses tied to delays—like permit fees or loan interest.