Builders Risk Insurance in Missouri

Protect your construction project from foundation to finish. Builders risk coverage guards against fire, theft, vandalism, and weather damage during construction.

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What Is Builders Risk Insurance?

Builders risk insurance—also called course of construction insurance—provides property coverage for buildings and structures while they're being constructed, renovated, or remodeled. The policy covers the structure, materials, and equipment on-site against covered perils like fire, wind, theft, and vandalism.

Whether you're a general contractor, property developer, or business owner overseeing a renovation, builders risk insurance fills the gap that standard commercial property policies don't cover during active construction.

Who Needs Builders Risk Insurance?

General contractors, subcontractors, property owners, and developers all benefit from builders risk coverage. If you're building a new structure or making significant renovations to an existing one, this policy protects your investment during the most vulnerable phase.

Lenders and project owners in Missouri frequently require builders risk insurance as a condition of financing or contract approval.

What Happens Without Coverage?

What's Typically Covered

Building structure during construction

Materials and supplies on-site

Equipment and fixtures being installed

Temporary structures and scaffolding

Fire and lightning damage

Wind and hail damage

Theft and vandalism

Soft costs (architectural fees, permits, interest)

Why Choose Insurance Plus?

Business-First Approach

We understand the unique risks Missouri businesses face and build coverage around your operations.

Dedicated Advisors

Your advisor knows your business inside and out, providing proactive guidance as your needs evolve.

Carrier Network

Access to 40+ carriers means competitive rates and the right coverage, not a one-size-fits-all policy.

Frequently Asked Questions

How long does a builders risk policy last?

Policies are typically written for the duration of the construction project, ranging from 3 to 12 months. Extensions are available if the project timeline changes.

Does builders risk cover weather damage in Missouri?

Yes. Most policies cover wind, hail, and storm damage. Given Missouri's severe weather patterns, this coverage is especially important for construction projects.

Who should purchase builders risk insurance?

Typically the property owner or general contractor purchases the policy. Contract terms usually specify who is responsible. Your Insurance Plus advisor can review your contract requirements.

Is theft of materials covered?

Yes. Builders risk policies typically cover theft of building materials, supplies, and equipment stored at the construction site.

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