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Builders Risk

Buildings under construction are extremely vulnerable to risk – from fires to theft to natural disasters. And often, it falls on the business owners and builders to pick up the pieces. At Victor, we provide protection that puts the power back in their hands.

Well-crafted for the world of construction

Our builders risk solutions feature competitive rates, favorable limits and vital coverages that go above and beyond a standard form.

Plus, all policies can be written in the name of the builder or owner.

Builders Risk at a glance

Get a high-level overview of our coverage – all in one place.

Target markets, policy features, a list of our 20 automatic coverages and more. 

Make sense of soft cost coverage

What are soft costs? Why are they worth covering? And how do they lead to out-of-pocket expenses? Find out here.

Two people pointing at on floor plan on a desktop

Agent/broker resources

Quote, bind and issue policies in minutes with V2

  • Register or log in to get started
  • Check out our VPlaybook for guidance on how to get a quote, and for information on registration, billing, FAQs, support and more. 

See it in action! Watch our series of recorded demos

  • V2 demo 
  • Vdemo (application for coastal risks)
  • V2 demo (for when your submission is referred to underwriting for further review)

For a deep dive into V2 and how it can save valuable time and money for your business, watch our webinar, Simple. Flexible. Fast. Discover V2

Availability: Available nationwide*

Coverage: Admitted with an A++ rated carrier

Billing options: Broker bill or direct bill

Target markets: Residential construction, commercial construction (office buildings, warehouses, municipal buildings, restaurants, shopping center complexes etc.), residential/commercial remodeling, installation floaters.

Minimum premium: $400


  • $8M limit for frame and joisted masonry construction 
  • $15M limit for non-combustible, masonry non-combustible and fire resistive construction
  • Collapse
  • Scaffolding, Construction forms and temporary structures
  • Debris removal
  • Discharge from sewer, drain or sump
  • Fire Department service charge
  • Valuable papers and records
  • Pollutant clean up and removal
  • Ordinance of law - direct damage
  • Preservation of property
  • Reward payments
  • Property at a temporary storage location
  • Property in transit
  • Expediting expense
  • Limited coverage for 'fungi', wet rot and dry rot
  • Soft costs
  • Green building recertification
  • Contract penalties
  • Claim preparation expense
  • Blueprint and construction documents
  • Fraud and deceit

*not available in AK and HI

Download Builders Risk coverage highlights sheet

Berkshire Hathaway Specialty Insurance - Builders Risk policy form specimen

If you have any questions about the policy form, please email

Victor Risk Advisory 

To help you and your clients understand and overcome risks, Victor Risk Advisory offers rock-solid industry insights, risk mitigation resources and much more.

Our vast collection of builders risk webinars focus on industry updates, emerging risks, and provide vital tips and guidance on how to ensure your clients stay protected. 

Access our full library of builders risk webinars

Contact the builders risk team directly:
T: (800) 944-7472

Alternatively, connect with your business development contact.

Policyholder resources

To get a quote, please send a request to your insurance agent/broker. Your insurance agent/broker can work with our underwriters to provide you with a quote.

If you need assistance in securing an insurance broker, you can use our find an insurance agent/broker tool


Berkshire Hathaway Specialty Insurance

In the event of a claim, please notify via:

The world is changing at an unprecedented pace. And complex new risks are emerging every year.

To help you understand and overcome these challenges, Victor Risk Advisory offers rock-solid industry insights, risk mitigation resources and much more.

Save time and money with V²

If you’re an agent or broker, see how our online quoting platform can streamline your work and remove the stress from the entire quoting process.

Construction site theft prevention insights

Get detailed guidance to help your clients prevent theft on their construction sites.

Red crane on construction site for tall building

Discover our other solutions

Our wide range of solutions provides protection on more fronts. No matter how complex, no matter the scale, we strive to leave no stone unturned in covering our clients.

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If you're a small to midsize US insurer, we offer a number of programs to support your risk portfolio. With first-rate financial strength ratings, you know you're in safe hands.

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