Seguro de Riesgo del Constructor
Cobertura de propiedad temporal para un edificio mientras está en construcción o remodelación. Protege la estructura y los materiales en el sitio hasta que el proyecto termina.
Comparamos el mercado por usted, sin cargos de corredor
Travelers
Builders risk
The Hartford
Construction property
Markel
Construction specialty risks
Chubb
Construction property
Builders Mutual
Contractors and builders
Great American
Construction property
AmTrust
Construction packages
Starr
Construction risks
Hecho para dueños y contratistas
- Contratistas generales en una obra nueva o remodelación
- Dueños que financian un proyecto de construcción
- Desarrolladores a quienes un prestamista se lo exige
- Cualquiera que remodela una propiedad hasta terminarla
Qué cambia su prima
No existe una tarifa fija para esta cobertura. Estos son los datos que la aseguradora usa para tarifar, y son los mismos que le pide el formulario de cotización.
- Your class of business and what you actually do day to day
- Annual revenue, and payroll where the line rates on it
- How many people work for you, including subcontractors
- Where you operate, down to the ZIP and the building
- The limits and deductible you choose
- Your claims history over the last three to five years
Cómo funciona
Formulario de 10 minutos
Unas preguntas sobre su empresa o su casa.
Comparamos el mercado
Comparamos aseguradoras y leemos los formularios línea por línea.
Elija la mejor póliza
Le explicamos qué está cubierto, qué no, y cuánto cuesta.
Escríbanos. Estamos a su lado.
Qué cubre esta póliza
The structure under construction
The building or project itself while it is being built or renovated, against fire, wind, theft, and vandalism.
Materials and supplies
Building materials on site, and often in transit or at a temporary storage location, before they are installed.
Soft costs
When added, extra expenses from a covered delay like loan interest, permits, and lost rent.
Debris removal
Cleaning up after a covered loss so the project can continue.
Preguntas frecuentes
What is builders risk insurance?
It is temporary property insurance that covers a building or renovation while it is under construction, including the structure and usually the materials on site. It is also called course of construction insurance. It ends when the project is finished.
Who needs builders risk insurance?
The party with financial exposure during construction: the owner, general contractor, or developer, depending on the contract. Lenders almost always require it on a financed project, and contracts often specify who buys it.
How much does builders risk insurance cost?
Cost is usually a percentage of the total completed value of the project and depends on construction type, location, project length, and coverage extensions. We quote it against your actual project value rather than a flat rate.
What does a builders risk policy cover?
Direct physical loss to the project under construction from perils like fire, wind, theft, and vandalism, plus materials on site and often in transit. Soft costs and debris removal can be added. It does not cover the defect itself or contractor tools.
How long does a builders risk policy last?
It runs for the construction term, commonly 3, 6, or 12 months, and can often be extended if the project runs long. When the building is complete and occupied it converts to a standard property policy.
Is builders risk the same as course of construction insurance?
Yes. Course of construction is another name for the same coverage. Carriers use the terms interchangeably.
Does this policy cover faulty workmanship or design?
A construction defect itself is generally excluded, though resulting damage may be covered.
Does this policy cover tools and equipment?
Contractor tools and machinery belong on an inland marine or equipment policy, not builders risk.
Does this policy cover injuries on the job?
Worker injuries are workers compensation; third-party injury is general liability.
Does this policy cover the finished, occupied building?
Once the project is complete and occupied, coverage shifts to a permanent property policy.
Obtenga una cotización de riesgo del constructor
Díganos el valor del proyecto, el tipo de construcción y el plazo. Comparamos aseguradoras y confirmamos que el plazo y las extensiones se ajusten.