Construction
Builders risk, contractors equipment, contract insurance requirements, and jobsite risk.
Guides
Installation Floater vs Builders Risk: Which Do You Need?An installation floater covers a contractor's materials until installed. Builders risk covers the whole building under construction. Who buys each.October 2, 2026
Builders Risk Insurance in Texas: Coastal Wind, Hail and RenovationsBuilders risk in Texas insures a building while it goes up or is renovated, but on the coast wind and hail often need their own answer. TWIA writes wind and hail builders risk on forms TWIA-21 and TWIA-18 for projects that get a TDI windstorm certificate, and renovations are valued differently from new builds.September 29, 2026
Home Insurance During Renovation in California: What to AddA California home policy can restrict coverage while a house under renovation sits empty over 60 days. When to add builders risk, and what to ask.September 29, 2026
Best Builders Risk Insurance in California: Programs for Contractors and Owner-Builders ComparedThe builders risk programs that write California projects, compared on who they insure, project size, terms and published minimums. Alchemy ($400 minimum, licensed GCs), Blitz (owners and GCs up to $5M, 3 to 12 months), Green Shield (up to $4M, no owner-builders), the FAIR Plan's course of construction as a last resort, and Tokio Marine's ArtisanEdge, with which ones Menlo can quote.September 27, 2026
Builders Risk for Homeowners and Owner-Builders in California, Including an ADUCan a California homeowner buy builders risk for a new house, a remodel or an ADU? Yes, when a market accepts the owner as the insured. Blitz insures owners (with the contractor's $1M/$2M liability behind them), Alchemy writes around a licensed general contractor with 3+ years, and Green Shield's ground-up program excludes owner-builders. What each needs and what to prepare.September 27, 2026
How Much Does Builders Risk Insurance Cost in California? Minimums, Rate Drivers and a Real QuoteBuilders risk in California starts at a published $400 minimum premium per term on Alchemy's national program, and a recent non-structural renovation quote we received came to $7,407 for the term, including a $200 policy fee and surplus lines tax. What sets the price, how new builds and renovations differ, and how term length works.September 27, 2026
California Contractor License Bond: The $25,000 CSLB Bond, LLC and Qualifier Bonds, and What They CostWhat the California contractor license bond is, the $25,000 amount set by Business and Professions Code section 7071.6, the extra LLC worker bond and bond of qualifying individual, who can claim against it, why credit drives the premium, and how a surety bond differs from insurance.September 23, 2026
Builders Risk Insurance: Who Needs It and What It CoversWhat builders risk insurance covers, who buys it, what it costs (1% to 4% of completed value), when coverage ends, key exclusions and delay coverage.July 9, 2026
Contractors Equipment Insurance: Tools and MachineryTool insurance for contractors: how an equipment floater covers machinery at the jobsite, in transit and in storage, plus cranes and key exclusions.July 9, 2026