- Builders Risk
Builders risk coverage forms insure buildings and other structures under construction. They are available for a single structure or multiple structures. Premiums can be paid at inception or be based on a deposit premium and periodic reports of value accompanied by premium payments. Coverage is usually for “all risk” perils or causes of loss and may also include earthquake, flood, and broad form collapse. Endorsements are used to broaden, limit, or customize coverage as needed. Deductibles are required. Coverage for design may be purchased separately and includes damage to a building that results directly from an error in its design. It is written as standard builders risk coverage but has an additional charge for design error coverage, which is subject to its own deductible.
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