core Coverages
Construction projects come with unique risks—fire, theft, vandalism, and weather damage can all delay your timeline and increase costs. Standard property or liability policies typically don’t cover buildings under construction. Insurance Partners of Kansas helps contractors, developers, and property owners across Wichita, Derby, and Andover secure builders risk insurance that protects projects from the ground up.
Protect Your Project Before It’s Completed
Coverage Built for Active Construction Sites
Structure Coverage
Structure Coverage (Buildings Under Construction)
Builders risk insurance helps protect the structure while it’s being built, renovated, or remodeled.
- Covers fire, wind, hail, and vandalism
- Applies during construction phases
- Protects partially completed structures
- Can include materials already installed
Materials and Supplies Coverage
Materials and Supplies Coverage
Construction materials—whether on-site or in transit—represent a significant investment. This coverage helps protect them from loss or damage.
- Covers materials on-site and in storage
- May include items in transit to the job site
- Protection from theft and weather damage
- Helps avoid costly replacement delays
Soft Costs Coverage
Soft Costs Coverage (Optional)
Delays caused by covered losses can create additional expenses beyond repairs. Builders risk policies can include protection for these indirect costs.
- Covers delays in construction timelines
- May include interest, permits, or additional fees
- Helps manage financial impact of setbacks
Who Needs Builders Risk Insurance?
- General contractors and subcontractors
- Property owners building or renovating
- Real estate developers
- Investors working on new construction projects
- Anyone financially invested in a construction project
If you’re responsible for a project or its materials, this coverage is often essential.
Common Situations Builders Risk Insurance Covers
- Fire damage during construction
- Theft of materials or equipment on-site
- Storm or hail damage (common in Kansas)
- Vandalism or accidental damage
- Losses during renovation projects
These risks can happen at any stage of construction—and having the right coverage helps keep your project on track.
Who Pays for Builders Risk Insurance?
In many cases, the responsibility depends on the contract. It may be the property owner, general contractor, or developer. We help you review your agreements and determine who should carry coverage so there are no gaps or disputes.
How Builders Risk Fits Into Your Full Coverage Plan
Builders risk insurance works alongside policies like General Liability Insurance and Contractor Insurance to create more complete protection for construction projects.
FREQUENTLY ASKED QUESTIONS
Builders Risk Insurance Questions, Answered
What does builders risk insurance cover?
It typically covers structures under construction, materials, and certain project-related risks like fire, theft, and weather damage.
Is builders risk insurance required?
It’s not always required by law, but it’s often required by lenders or contracts.
How long does coverage last?
Coverage usually lasts for the duration of the construction project or until completion.
Does it cover tools and equipment?
Some policies include this, but additional coverage may be needed depending on your setup.
Can it cover renovations?
Yes, builders risk can apply to remodeling and renovation projects as well.
Keep Your Project Moving Forward
Let’s Keep Your Fleet Moving
Construction delays and unexpected losses can quickly impact your timeline and budget. Insurance Partners of Kansas helps builders and property owners across Wichita, Derby, and Andover protect their projects with coverage that’s clear, flexible, and built for real-world risks.