Protect Your Project From the Ground Up With Tailored Builders Risk Insurance
Construction projects come with high stakes—tight timelines, major investments, and countless moving parts. Without the right protection, a single unforeseen event can cause delays and significant financial loss. That’s where Builders Risk insurance from Combs & Company comes in.
Whether you're starting new construction, performing major renovations, or expanding a commercial facility, builders risk insurance gives you the coverage you need to keep your materials, equipment, and progress protected throughout the build. With over 20 years of experience in customizing insurance solutions, our team ensures you get coverage that's as solid as your foundation.
Your protection starts with a conversation. Our experts are ready to help you find the right coverage that fits your life and goals. Book an Appointment Today!
Why Builders Risk Insurance Is Essential for Every Construction Project
At its core, Builders Risk insurance (also known as course of construction or inland marine coverage) provides protection for materials, fixtures, and equipment intended for permanent installation during construction. These valuable assets are vulnerable from the moment they arrive on-site to the moment the project is completed—and traditional property insurance won’t cover them.
When you partner with Combs & Company, you’re not just buying a policy. You’re gaining a trusted advisor who understands the nuances of construction risk. We help ensure your coverage accounts for real-world exposures like fire, theft, vandalism, and weather-related damage, without adding unnecessary complexity.
Builders Risk insurance can cover:
- Building materials stored on- or off-site
- Equipment and fixtures awaiting installation
- Temporary structures like scaffolding
- Costs related to project delays caused by covered losses
- Soft costs such as lost income, interest on construction loans, and more (if added by endorsement)

We tailor each policy based on your specific construction type, project scope, and timeline—no cookie-cutter coverage here.
Who Needs Builders Risk Insurance?
Builders Risk insurance is essential for anyone involved in new construction or major renovations. Whether you’re the property owner, developer, general contractor, or a business investing in tenant improvements, this coverage protects your financial interest in the project while it's underway.
At Combs & Company, we work with:
- Commercial property owners and developers
- Residential builders and contractors
- Retail and hospitality business owners
- Institutional organizations overseeing new builds or renovations
- Real estate investors managing ground-up construction

Even if you don’t think you need it—say you’re not the one swinging the hammer—if you’ve got money in the project, Builders Risk insurance is your safety net.
What Does Builders Risk Insurance Cover, and How Does It Work?
Builders Risk insurance covers physical loss or damage to the insured structure and its components during construction, from a wide range of covered causes like fire, wind, theft, vandalism, and certain water damage events. The policy typically lasts the length of the construction project and ends once the build is complete and ready for occupancy.
At Combs & Company, we break down your options in clear terms and help you select the right limits, deductibles, and endorsements to fully safeguard your project from groundbreaking to grand opening.
Our approach is different because we focus on education, not just execution. You’ll understand what’s covered, what’s not, and why—so there are no surprises when it matters most.
Why Choose Combs & Company for Builders Risk Insurance?
Builders Risk insurance is complex. Policy terms vary based on the carrier, the scope of work, and even the location of the project. That’s why having the right advisor is as important as having the right coverage.

Here’s how Combs & Company stands out:
- 20+ years of expertise customizing commercial and specialty coverage for clients across industries
- Hands-on consulting to walk you through every phase—from quoting to coverage
- Access to top-rated carriers and competitive options for complex or unique construction needs
- Education-first approach to help you confidently understand your policy
- Full-service brokerage support, so you can integrate Builders Risk insurance into a broader commercial insurance strategy
When you work with us, you’re not just a policyholder—you’re a partner.
What Is the Meaning of Builders Risk Insurance?
Builders Risk insurance is a specialized form of property coverage designed to protect construction projects against direct physical loss or damage from causes like fire, theft, vandalism, and weather events during the build phase. Also known as course of construction insurance or part of the inland marine category of coverages, it ensures that the structure under construction—and the materials, supplies, and equipment used for it—are financially protected while work is ongoing.

It’s important to note that Builders Risk insurance doesn’t usually cover accidents involving workers, design flaws, or tools and machinery not intended for installation—but we’ll walk you through what is and isn’t included when building your custom policy.
FAQs About Builders Risk Insurance
How long does Builders Risk insurance last?
Builders Risk insurance typically covers the duration of the construction project. The policy is effective from the start of construction and ends when the project is completed or the property is occupied, whichever comes first. Extensions may be available if the project runs beyond the anticipated timeline.
Who should be listed as the insured on a Builders Risk insurance policy?
The named insured can vary depending on who has a financial interest in the project. This may include the property owner, general contractor, project developer, or even a lender. At Combs & Company, we help you determine who should be named to ensure everyone’s interest is protected.
Is Builders Risk insurance required by law?
While not typically required by law, Builders Risk insurance is often required by lenders and sometimes by project contracts. It’s considered a best practice to carry this coverage any time construction or renovation work is being done.
Can Builders Risk insurance be customized for unique or complex projects?
Yes. Builders Risk insurance is highly customizable. Whether your project involves multiple phases, unique materials, or complex financing, Combs & Company can structure the policy to match your specific needs, timelines, and exposures.
What happens when construction is complete?
Once construction is finished, Builders Risk insurance coverage ends. At that point, a standard commercial property insurance policy typically takes over to protect the completed building. We’ll help you transition seamlessly so your coverage never lapses.
Ready to Protect Your Construction Investment? Let’s Talk.
If you’re planning a construction or renovation project, don’t leave it exposed. Let Combs & Company help you secure the Builders Risk insurance coverage that fits your timeline, your budget, and your risk profile.
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