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Builder’s Risk

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Secure Your Projects with Comprehensive Builder’s Risk Insurance

Tailored coverage for contractors and builders in New York, Florida, and Texas.

Protect your construction projects with our comprehensive insurance plans designed for builders.

A Builder’s Risk insurance policy covers repairing an unfinished structure or replacing building materials when weather, fire, vandalism, or theft hits a construction site.

Builders Risk insurance protects the person or organization’s interest in the materials or equipment.

Don’t leave it to chance! Talk to one of our insurance professionals to ensure your job sites are protected!

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Builder risk insurance should be obtained as soon as construction begins. This ensures that you have coverage from the start of the project.

Several factors can influence your builder risk insurance premiums, including:

  • Location: Buildings in areas prone to natural disasters may have higher premiums.
  • Type of construction: The materials used, and construction methods can affect the premium.
  • Project value: The estimated project cost will determine the coverage needed and, consequently, the premium.
  • Contractor's experience: The contractor's experience and safety record can impact the premium.
  • Coverage limits: The amount of coverage you choose can influence the premium.

Builder risk insurance typically doesn't cover:

  • Damage caused by faulty workmanship
  • Loss of profits
  • Delay in construction
  • Earth movements (unless specifically covered)

While both builder risk insurance and general liability insurance are important for construction projects, they cover different aspects. Builder risk insurance protects the building itself, while general liability insurance covers bodily injury and property damage caused by your business operations.

Contact a Top Insured Agent today!

Who is the Target Market for Builder’s Risk?

Targeted Industries:

  • General Contractors

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Please call or email us if you have any questions about our services or to request a quote. We look forward to speaking with you shortly.

  • lis@topinsuredagency.com
  • (516) 472-0826
  • (917) 573-9512
  • (516) 706-4946

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Privacy Overview

We, Top Insured Agency (“Top Insured”), are committed to protecting your personal data in compliance with the EU General Data Protection Regulation (GDPR). This policy outlines how we collect, use, and safeguard your information to ensure transparency and trust in our data practices.

Data Controller Information

The data controller is:

Top Insured Agency LLC
Address: PO Box 1222, Manhasset, NY 11030
Email: lis@topinsuredagency.com
Tel: (516) 472-0826

For any data protection-related inquiries, you may contact our Data Protection Officer (DPO), Lissette del Valle Sissa, at (516) 472-0826.

Types of Data Collected

We collect and process the following categories of personal data:

  • Identifiers: Name, email, phone number, postal address, and other contact details.
  • Financial Data: Payment details (for policy transactions).
  • Technical Data: IP address, cookies, browser type, and device identifiers.
  • Insurance Information: Policy numbers, claims history, and coverage details.
  • Communication Data: Correspondence with our agency (e.g., emails, call recordings).