BUILDERS RISK INSURANCE

Protect Your Investment.

Builders risk insurance from Eastern Insuring Agency helps protect residential and commercial construction projects from unexpected damage, delays, and costly setbacks from groundberaking to completion.

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Independent advisors.

Multiple carriers.

Real guidance when you need it most.

Builders Risk Insurance Customized Around You

Real Advisors. Real Accountability.

We take the time to understand your project and help you choose the right coverage for your build, timeline, and budget.

Coverage That Protects Your Project.

From the structure to building materials and equipment, we help protect what you're building at every stage.

Smart Protection. Smart Savings.

We compare multiple top-rated insurance companies to help you get the best coverage and value for your project.

Key Protection Available with Builders Risk Insurance

Builders risk insurance is designed to protect your construction project from a wide range of perils, including those not covered by standard policies.

Structure Under Construction Coverage

Building Materials & Supplies

Equipment & Tools Coverage

Temporary Structures & On-Site Property

Fire, Theft, Vandalism & Weather Damage

Debris Removal

Soft Costs (Permits, Architect Fees, etc.)
Delay in Completion (Optional)

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Insurance Built for Every Phase of Construction

From the ground up, builders risk insurance helps protect your project from the unexpected.

Whether you're building a home, commercial building, or large-scale development, we'll help you safeguard your investment.

Common Builders Risk Insurance Scenarios

Fire Damage

Helps cover damage caused by fire, lightning, or explosion during construction.

Theft or Vandalism

Protects materials, fixtures, equipment, and tools from theft or vandalism on site.

Severe Weather

Helps pay for damage from windstorms, hail, heavy rain, snow, and other weather events.

Material Damage

Coverage for building materials and supplies damaged while in transit, stored, or on site.

Equipment Breakdown

Protection for owned, rented, or leased equipment that breaks down or is damaged.

Why Builders Choose Eastern Insuring Agency

As an independent insurance agency, we work with multiple insurance companies to find the right builders risk insurance coverage at the right price.

We proudly serve contractors, developers, and builders throughout:

Adirondack Region
Hudson Valley
Capital Region
Mohawk Valley
Lake Placid

Long Island
New York City
Western New York
Throughout New York State

Whether it's a new build, addition, renovation, or commercial project, we're here to help protect your investment from day one.

Frequently Asked Questions About Builders Risk Insurance

What is builders risk insurance?

Builders risk insurance protects buildings and structures under construction from physical loss or damage due to covered perils.

Who needs builders risk insurance?

General contractors, builders, developers, and property owners financing or managing a construction project should consider builders risk insurance.

When does builders risk coverage begin and end?

Coverage typically begins when materials are delivered to the job site and ends when the project is completed and accepted.

Does builders risk insurance cover theft of materials?

Yes. Theft of building materials, fixtures, and equipment is typically covered under most builders risk policies.

Is builders risk insurance required by lenders?

Yes. Most lenders require builders risk insurance to protect their financial interest in the construction project.

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Insurance That Actually works the Way You Live

Real Advisors.Real Accountability.

Work with licensed advisors who understand your risks - not call centers - or scripts.

Technology ThatRemoves Friction

Access ID cards, policies, payments, and service requests online - without chasing paperwork.

Coverage Designed Around You

We compare multiple top - rated carriers to build coverage that fits your life and budget

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The Coverage People Miss Most

Umbrella Insurance

The most affordable “extra layer” of protection. Umbrella insurance provides additional liability coverage above your home, auto, or other policies when their limits are reached.

Flood Insurance

Many NY homeowners assume they’re covered—flood insurance is actually a separate policy designed specifically to protect your home and belongings from damage caused by rising water.