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Builders Risk Insurance
TOP BUILDERS RISK INSURANCE PROGRAM FOR AL, GA, SC, & VA
Since 1967, American Eagle Insurance Agency has been a trusted provider of insurance solutions for the construction industry. Builders risk insurance is one of our core offerings, designed to protect projects of all sizes against unexpected risks during construction or renovation. Whether you’re a contractor, developer, or homeowner, our customizable builders risk policies provide peace of mind from the time the ground is cleared to the final finishes.
WHAT IS BUILDERS RISK INSURANCE?
Builders risk insurance is a specialized type of coverage that protects a person’s or organization’s financial interest in a construction project. It safeguards materials, fixtures, and equipment used in construction or renovation from physical loss or damage caused by events such as fire, theft, vandalism, or severe weather.
This insurance is often required by lenders, government regulations, or contractual agreements to ensure all parties involved in a project are protected from potential losses.
Who Needs Builders Risk Insurance?
Builders risk insurance is essential for any individual or entity with a financial interest in a construction or renovation project. This includes:
Contractors: Protecting tools, equipment, and materials during the building process.
Homeowners: Safeguarding their financial investment in custom builds, renovations, or home additions.
Developers and Business Owners: Covering large-scale commercial projects and the assets involved.
Financial Institutions: Ensuring loans tied to construction projects are secured against unforeseen risks.
Depending on the terms of the construction contract, builders risk insurance can be purchased by the owner, contractor, or both. Additional insured parties, such as subcontractors, may also be covered under the policy.
What Does Builders Risk Insurance Cover?
Builders risk policies offer broad protection against various risks. Common coverage includes:
Property Damage: Safeguarding the structure under construction from fire, vandalism, theft, and other perils.
Materials and Equipment: Covering items on-site, in transit, or stored temporarily.
Soft Costs: Protecting against delays and associated costs, such as lost income, extra expenses, and interest on loans.
Valuable Papers: Ensuring documents such as blueprints or permits are protected.
Ordinance or Law Compliance: Covering the costs of adhering to updated building codes during reconstruction.
Pollution Cleanup and Debris Removal: Ensuring quick recovery and cleanup after an incident.
Scaffolding and Construction Forms: Providing coverage for equipment essential to the building process.
Optional endorsements, such as flood and earthquake coverage, are also available in certain locations.
Why Choose Builders Risk Insurance from American Eagle Insurance Agency?
At American Eagle Insurance Agency, we bring over 50 years of experience to every policy we write. Our builders risk insurance offers unparalleled benefits:
Flexible Policy Options: Choose from single-project, blanket, or reporting-form policies to fit your needs.
Comprehensive Protection: Coverage for a wide range of risks, ensuring your project is protected from start to finish.
Expert Guidance: Our team works with you to assess your project’s risks and recommend the best coverage options.
Quick and Easy Setup: We make it simple to get your policy in place, with fast approvals and responsive support.
Adaptability: Our policies can be endorsed to account for changes in total project value during construction, ensuring no gaps in coverage.
TYPES OF PROJECTS WE COVER
Our builders risk insurance is designed to support a wide range of residential and commercial construction projects:
RESIDENTIAL PROJECTS
Custom, modular, and tract home construction
Duplexes, townhomes, and small apartment buildings (1–4 units)
Home renovations, including kitchen or bathroom remodeling, room additions, or structural modifications
Installation of features such as HVAC systems, flooring, cabinetry, and roofing
COMMERCIAL PROJECTS
Large-scale developments, including retail stores, hotels, offices, and warehouses
Apartment complexes with five or more units
Interior upgrades, such as office renovations or storefront expansions
Installation of commercial-grade equipment, playgrounds, and outdoor fixtures
HOW TO GET STARTED
Securing builders risk insurance with American Eagle Insurance Agency is straightforward. To start, you’ll need to provide the following information:
• Insured Name and Contact Information
• Project Details: Address, type of construction, materials used, total completed value, and fire protection class
• Builder Information: Experience, loss history, and details of previous and upcoming projects
Our experienced team will guide you through the process and customize a policy tailored to your needs.
PROTECT YOUR CONSTRUCTION PROJECT TODAY!
Construction projects are a significant investment, and unexpected risks can jeopardize their success. Don’t leave your project vulnerable to costly setbacks. With American Eagle Insurance Agency’s builders risk insurance, you’ll have the confidence to tackle any challenge.
Contact us today to learn more about our builders risk insurance options or to request a personalized quote. Protect your investment with coverage you can rely on!
Builders Risk Quote Request Form
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